You lift a freshly baked cinnamon roll to your nose, breathing in the sweet scent. "Delicious," you say, handing your husband the plate. "We should have bought a dozen. I'll never get my fill." You watch him devour the roll. You pour him a mug of steaming coffee. "Easy there, sleepyhead," you tease. He winks. "Alas, I can't sleep all day without having a heartattack." You sip your tea and page through the morning paper. An article about a spate of indecent exposure on the trail catches your eye. "Count me in for that bodybuilder meetup." The last few nights...it's all gone downhill, he moans after swallowing an awkward mouthful. A health plan change means the gym's $145 monthly rate. Plus estimated fuel costs for the extra commute. You halt the article. "Hold on, white-collar worker -- you're making $90/hr." "You did the numbers last time, remember?" "Yeah...I did. Emphatically. How that turned into $15k/year is beyond me. With all those moving parts I've learned only two things: we shouldn't borrow on home equity, and we need to eat well."