Stephen is in debt.
He had to get a cavity filled, which cost $70 including his annual $50 deductible. Gracious mother that I am, I generously covered the deductible. The remainder, of course, is the patient’s responsibility. His handed over his entire $3 savings, and went into debt (interest free! How kind of you, mother)
He wants to buy a pack of Pokemon cards, which has now been complicated by the medical debt he accrued. So, in addition to diligently flossing, he created a “Money Plan” to get out of the red. He is forfeiting his weekly allowance and doing extra chores to earn money.
When he learned we had no plans on Saturday, he said, “Good! Because I want to spend all day doing chores to get money!”
He cleaned one extra bathroom that day, and has also cleaned out the van and pulled weeds. He’s on his way to becoming debt free once again and onto his Pokemon savings plan!