Nell and Darrell have $60 thousand dollars in personal debt, which is no laughing matter. But Darrell refuses to let this stress him out and constantly jokes about their situation to avoid reality. That leaves Nell suffering through sleepless nights alone. And it’s starting to take its toll on their 9 year-old daughter who has offered up her piggybank to help in tough times. When the numbers are crunched, is bankruptcy the only option for this couple?