Dr. Phil argues that the couple's current conflict stems from unrealistic financial expectations.

“I think your expecties are really unbelievable. I mean, what you're saying that, oh my god, I'm so horrified that I'm having to drive this Volvo. I'm so humiliated.”

Nicole believes that her financial struggles and loss of lifestyle are a major source of strain on her marriage.

“The lifestyle would help, but I think the fact that we don't have the lifestyle that we were used to, that we started out with and the lifestyle that we were expecting. I think the fact that we don't have that puts a strain on our relationship.”