 Nicole and Russell are new parents who are trapped in a quagmire of spiraling credit card debt. Russell s $40K income at a big box store barely covers rent and the credit card minimums. As a small business owner, Nicole can t even venture a guess how much she makes a year. They hope that Gail will be able to help them figure out how to create a viable business that allows Russell to join Nicole in the design business full time. Her business is at stake - and so is their relationship.