 Janet and Ian were happily enjoying their double-income-no-kids lifestyle until their first child was born. Both want Janet to be able to stay home full time, but they re worried about the $20,000 debt they ve amassed in a year and a half. And then there s their 40 year old home, which needs some major repairs. It s up to Gail to show this couple how to manage their money so their house doesn t become a money pit.