Overspending on a six-digit income

Helen and Ray Newland don't look like big spenders. The Brea couple lives in a modest, 1,800-square-foot home built in the 1950s. Helen drives a dusty, decade-old minivan, and Ray's Hawaiian shirts have seen better days. Their two children get hand-me-down clothes from the neighbors.

By Kelly Barron

April 15, 2007