Jodi and Adrien, who have two children, one who is an infant for which Jodi is currently on maternity leave, earn a combined income of $87,000 annually when Jodi is not on mat leave. Both Jodi and Adrien led carefree single lives before they got together, each using their credit cards like another source of unlimited income. As a couple, they have already gone through a consumer proposal process, but that has not seemed to have curbed their exorbitant spending habits which as a couple is largely on takeout and restaurant meals.