Sharon thinks of herself as the breadwinner, even though she only makes forty bucks more a month than Dennis. Dennis supplements his income with payday loans. Neither has any idea of where the money is really going. In five years, they want to own a house and a catering business, and become parents —big plans for a couple with $18 in their account. It’s a classic case of freshly minted young adults on their own for the first time. Can Gail save them from a financial freefall?