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- Twenty-four year old Katie is a full time nanny earning about $2,200 a month. Since Katie lives rent-free at "home" with her mother, Cindy, and her new husband, Katie has no qualms spending money on her indulgences, designer clothes and even botox being the weaknesses. Katie even bought a designer dog, a $800 shar pei named Kingston, knowing that Cindy said no dogs. Kingston has ended up being as high maintenance as Katie, with Cindy handling the many bills concerning Kingston. Katie's parents and her step-parents help Katie out on many of her purchases, including her car insurance and cell phone operating costs. Cindy knows she is an enabler, but feels it's easier to give in than to fight. Cindy wants to sell the house so that she and her husband can do more traveling, but knows that Katie would be "negatively" affected. Katie admits she's superficial, but even with age she figures she can be fixed with makeup, hair coloring and botox. With all these people paying for stuff for Katie, she has still racked up consumer debt of $28,000. Gail has to give Katie some life skills, which she currently does not possess at all, in preparation for the eventuality of living away from Cindy. Katie has to: come up with a budget, which may include ways to make more money in addition to spending more wisely; and plan for the future, including figuring out what she will do for a career and how she will achieve it. Katie may have to make, in her mind, some pretty tough decisions.