Keeping Up with the Joneses

It's not too late for Corey and Shawna to get out of their hole even though Shawna will soon take maternity leave, Suze says. "You create your own problems and then you feel sorry for yourself and you think you're victims," she says. "We're not victims to our circumstances. We are the creators of our circumstances."

Their combined income is $146,000, they only have a $1,200 in monthly mortgage payment and some of their costs will go down when Shawna takes her maternity leave. This means that they should be financially stable for the three months Shawna isn't working after the baby is born.

Before then, Suze says Corey and Shawna need to sell their luxuries and raise some cash. They can start by selling off the DVDs and the shoes. Next are the luxury cars. "Would I be selling my cars if I were you? Oh, you betcha I would," Suze says. "I would exchange my car'my baby'for my baby. That's what I would be doing if I were you."

Corey says he's ready to make the change and give up the possessionseven his car. "I mean, that's nothing. I'd get rid of them yesterday," he says. "That's what needs to be done because this is my baby."

Three questions you need to ask yourself before you spend another dime