Kelly and her daughter, Gianna

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Kelly is a divorced single mom who says she spoils her 4-year-old daughter, Gianna, with tons of toys, DVDs, clothes, manicures and pedicures—and even diamond earrings.

Kelly says she has spent over $5,000 on Gianna's 50 Barbie dolls and accessories, more than $1,000 on American Girl dolls and accessories, and more than $2,000 on DVDs. When it comes to clothes, Kelly says there is no budget. Gianna even has her own designer purse and a cell phone.

"While I admit I spoil her, I don't see anything wrong with it," Kelly says.