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Stephanie and Malcolm pamper their fur babies with organic food, weekly training classes and endless treats. Even Stephanie admits the $1,300 a month they spend on their dogs is crazy. What’s even crazier is that this couple has any debt at all - with a joint income of over $100,000 and no children, Stephanie and Malcolm should be in the clear. Gail has a simple plan to get them out of debt, but it’s going to require making some changes. And that seems to be the one that Stephanie simply won’t do.