Meet the Bradleys

Meet Lisa and Steven Bradley, and their two children, Madison and Michael. Lisa works as a case manager, while Steven is a government employee. Together, they make $102,000 a year.

From the outside, the Bradley family seems to have it all. They live in a $300,000 house and recently purchased two new cars. Lisa admits she spends thousands of dollars every month projecting the image that "everything is perfect." "For me it's very important to look the part no matter what the cost," says Lisa. "I like to get my hair done weekly...I will only buy high-end jeans."

But the Bradleys' financial reality is a far cry from the image they maintain. The truth is that the Bradleys are $170,000 in debt!