Michelle and Stephen, who both work in the interior design/contracting business, have a combined annual income of about $100,000. They have two children, Michelle who is currently on maternity leave. They are newlyweds, their fantasy medieval wedding - Prince Charming sweeping the beautiful damsel off her feet - the focus of the their lives for the longest time. But their castle came crashing down when Michelle learned of Stephen's $50,000 debt, largely the result of the divorce from his previous wife.