Despite being married and having an infant son, Karissa and Karl, who earn a combined income of $105,000 annually, largely see their lives as separate from each other. Beyond shared hobbies such as off-roading, they do other things separately, including spend. As such, Karl, in particular, sees Kari's debts as being her own, and his as being his own. Kari has no idea how big their debt is, so while Karl wants Kari to get her debt under control and pay it off, Kari does nothing to support that as a goal