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Mike calls in Gail to deal with his fiancée, Kelly, who he believes spends too much money on her hobby of scrapbooking. Mike admits that he is afraid to confront Kelly about the issue on his own, largely out of circumstance. Kelly, a teacher, earns almost twice the amount of money he does as a call center employee. He at some point in time would love to get a higher education to earn more money, but life circumstances - he and a former partner having a child at a young age - have prevented him from being able to do so, his infant daughter who is in his custody. That fear is that Kelly has the financial power in their relationship, he being unable to provide for his daughter if Kelly were to leave. He also admits that his beef is somewhat "sour grapes" in the disparity in their financial situations. Regardless, they have a fifty-fifty split in household expenses, which leaves Mike with no disposable income and Kelly with it all within their relationship. Beyond believing the fifty-fifty split in household expenses inequitable, Gail, in reviewing the situation which includes getting Kelly's side of the story, sees the major issue between the two being a lack of effective communication. As they don't want to talk about their issues constructively, Mike generally sits on the couch playing video games on the television, while Kelly scrapbooks or goes out with her friends. As such, Gail believes they are acting more like roommates than a committed couple. Acting truly like a couple is the foundation of the change that needs to occur for them to get on a sound financial footing.