Shannon and Colin, married for just over a year, were high school sweethearts. They, but particularly Shannon, are impulse shoppers, which also applies to the purchase of their house. Most of those purchases they do not need. Shannon has the mentality of "buy now, pay later", which Colin knows is unsustainable, but he does not have the backbone to say "no" to his wife, especially about shopping. In terms of incomes, Shannon makes decent money, but Colin only has a part-time retail job which brings in little money.