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- Married couple Rachel and Daniela are polar opposites when it comes to money. Rachel, who earns $45,000 a year in an office job, believes one needs to make money to spend money. She is thrifty to the point of willing to eat canned soup three times a day if that's what it takes. If the soup is on sale, so much the better. Daniela, who earns anywhere from $28,000 to $35,000 a year as a food server, believes one has to spend money to make money. Daniela easily spends especially her tips, on such items as food, drinks and cabs, that money which they largely see as hers. The one large impulse buy they have made together is a $413,000 house, on which they placed a $20,000 down payment solely through credit sources. Their divergent outlooks on money and life may eventually place a permanent wedge between the two. Because of Daniela's cash spending habit, Gail makes them live on fixed income debit cards rather than cash. What starts off as being a difficult challenge for buttoned down Rachel is being forced to allocate and spend a certain amount of money on "fun". The last two challenges may be equally as difficult for both: setting and costing a five year plan, each who has differing views on their life; and balancing the control in their marriage, Rachel who is now largely steering their ship, she who sees her role unflatteringly more as the b**** than the director.