Suze says she cataloged the horrors of Felice and Phil's finances not to make them give up hope, but to make them understand just how important change is. "Nobody has a magic wand," she says. "All we have is the magic within our own souls to do that which we can do and deal with reality. You have now created a reality for yourself and your families that you are not going to be able to buy yourself out of."
First, Suze says Felice has to get a job immediately with an employer that will offer health insurance to her entire family. Suze suggests Starbucks, because they offer health benefits to part-time workers.
The next step is to get a life insurance policy for Phil. "If anything happens to this man, you are going to be on the street, you're not going to be able to feed your kids," Suze tells Felice. Suze recommends a 10-year level term insurance policy.
Suze's final step is the most drastic. Suze tells Felice and Phil they must sell their California home and move to Seattle, Washington. With a booming housing market and high-tech industry, Suze says Seattle is particularly well suited to both Felice and Phil's strengthsPhil is a computer contractor and Felice was once a mortgage broker.