This episode features a couple who are just managing to balance their budget. They both earn a decent wage and have a solid nest egg of savings. Childcare is their biggest expense and with a second baby due soon, they worry that will tip the balance. Will they manage to still enjoy the occasional special night out? Or will a second child mean they incur more debt than they can manage? A couple who both earn a good wage, spend way beyond their means. In order to bring in some extra cash they invest in a rental property, but the cost of fixing it up is higher than they expected. They are running out of time and money and are drowning in debt. And at the opposite end of the scale, a remarkably frugal couple — who once experienced the stress of being in debt — vow never to spend more than they earn. As a debt counselor, the wife spreads their gospel: only buy something new if you can afford three of them. Now they want to buy a house — a custom-built house. How can they do that without going into debt?