Malcolm and Stephanie, who have a combined income of $110,000 annually, are in many ways polar opposites, including when it comes to money. Malcolm is obsessive and detailed oriented, whose nagging about money which irks more laissez-faire but determined Stephanie, who usually gets her way with Malcolm. They are not on the same page when it comes to who between the two is the source cause of their $28,000 consumer debt, which does not include their mortgage.