Courtney and Chad were $30,000 in debt before they started their family, but found that having twin daughters, now fourteen months old, an additional burden over just having one child as they had to buy two of everything for the girls, which resulted in $20,000 in spending the first year. Their $120,000 annual joint income was also reduced when Courtney was on maternity leave, they making the decision to hire a live-in nanny as Courtney went back to work.