Richard, a paramedic, and Jaci, a high school teacher, are parents of five month old McLean, who they conceived by going to a fertility clinic. Jaci is now off on maternity leave, and after that has concluded and she goes back to work, Richard will take paternity leave as it is important for them for one or the other to stay at home during McLean's formative years. They as parents are finding that McLean is costing more than they expected, and that they should have paid off their small debts, such as the fertility treatments, when they were able. Richard admits that he is an impulse shopper for himself and for the family, but they are both guilty of dreaming big, wanting to have it all, while one or the other stays at home, resulting in a far reduced income not capable of affording those dreams, which includes more children. Worrying about money has caused Jaci anxiety, and has caused problems within their marriage. Gail not only has to get them to curb their spending and stop using