Steve drove into his driveway in his black BMW. In his posh neighborhood, it wasn't all that uncommon to see a BMW, Mercedes, Jaguar, etc... in the driveway of someone’s beautiful home in his neighborhood. Steve and his wife Kate lived in the luxurious neighborhood of La Jolla, California and with that, came a price. La Jolla was in San Diego and combine the beaches and high priced real estate and all around good living and weather, it didn't come cheap to live such a lavish lifestyle in one of the most desired locations of the city.

Steve had had a great paying career as an Engineer and was able to afford the good things in life and vacations the past ten years. His wife Kate didn't have to work and enjoyed being a housewife. Things were pretty good for them. Well, that is until Steve got laid off from his engineering job due to the economy being in a downslide.

With two high car payments, a mortgage on their beautiful five bedroom house, complete with a pool and Jacuzzi and lavish gardens and carrying high limits on their credit cards, Steve knew that within a month they would definitely be behind, unless he found a new job.

How was he going to break the news to his wife? They had dinner reservations tonight at one of their favorite restaurants overlooking the ocean.