Jack and Jill met when both of them were in a physiotherapy program at university. They graduated from the course together and after they got married, they worked together at a clinic. Jill took time off after the birth of their first child and briefly returned to work until they had twins. With three little ones at home, they made the decision for Jill to stay at home to raise the children and be the Chief Executive Officer of the household. Jack continued to build his career and earned a reasonable income which allowed them to live comfortably, but it did not give them much of an opportunity to save money.