Although Jack would like to renew the lease on his studio apartment, he is facing the fact that he is broke, and needs parental EMT: Emergency Money Treatment. He has an invitation to move into a cheaper one-bedroom apartment, sharing the rent with his younger brother. He already owes his parents $400. He owes his girlfriend, Anne, $600. He has a small monthly car payment and a moderate student loan payment, but the big problem his parents only just learned about is a growing MasterCard balance.

