Engaged couple Caroline and Jason, who earn a combined income of $127,000 a year, don't believe they are stupid people, but they know they have made some stupid mistakes to get into $109,000 worth of consumer debt. That debt started to snowball after they bought their house, which they felt they needed to fill with stuff, especially easy for Caroline to do, she the impulse shopper. For David, much of that stuff is musical instruments, as his dream occupation would be as a musician.