Liz and Will, who were high school sweethearts, are relative newlyweds with an infant son, Jack. Will has made a conscious decision that he doesn't want to know about or thus manage their collective finances. Beyond their mortgage, they have had a number of big expenditures of late, such as their wedding and renovations to their small house, which still requires many renos and which they have outgrown, and thus they would like to sell soon. Liz has rolled much of this debt into their mortgage to keep it out of mind so that she can justify more spending.