Thirty-somethings Sharon and Rob, who have been married for five years and who have two children (one Sharon bringing from a previous relationship), have an annual combined income of $77,000. As she does bookkeeping as part of her job, Sharon takes care of their household finances, of which Rob stays out totally. What Rob does know however is that they are deep in debt as they've lost some services in the past such as hydro and telephone, and as the creditors keep on calling, with both Sharon and Rob not picking up the phone while at home when they know its a creditor.