Early-thirtysomething married couple Leona and Mohamad are relatively well off, earning a combined income of $150,000 annually. They generally like material possessions that have character, which in a house means older. They purchased their dream home, which required some maintenance work to bring it up to a standard where they could be insured, some of that work which has not yet been done. Instead, they did some cosmetic renovations, bought some expensive items to furnish the house, and took an $8,500 vacation to the Middle East and southeast Asia, when and where they bought some expensive Persian rugs and silk curtains. Everything was paid on credit. Mohamad handles all the household finances, he shielding their money situation from more emotional Leona, who does however know they have a money problem. They know that selling the house is a solution but one they don't want to do. Mohamad has started to pay off their debt, but he still supports their spending to live their dream life