Melanie and Kevin have a combined income of about $80,000 annually, largely from Kevin's job as a plumber. Melanie, who is an independent cosmetics salesperson, is primarily mom to infant Rozlyn, with a second unplanned child on the way. They went from having no debt when they first got together to currently having $42,000 in consumer debt. They fight over money, most of it over Kevin's spending on cigarettes, and his new expensive and not totally paid off gas-guzzling truck, which he does not need.