Julia and Guy, married for five years with an infant child, are both teachers who have vastly differing outlooks on money. Julia believes one should not spend money one does not have. Guy believes money is for spending, not for saving for a rainy day. Guy not only spends money on almost daily sports outings followed by wings and drinks with his friends, but it is generally money he doesn't have as he uses credit and cash advances, which he does not see as being an issue.