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- Twenty-seven year old Stacey is a party girl, with her motto for partying being "FMO": fear of missing out. When she was younger, she rebelled against her parents, Heidi and Brad, which resulted in a vacation funded on her credit card for as long as the credit lasted. Deep in debt upon her arrival home, she moved back in with her parents rent-free, they who she still treats poorly. However, Heidi is just so relieved to have her back that she will "help" Stacey while she tries to get out of debt. But Stacey continues to shop, buying rounds for friends while out partying, and buying clothes and accessories she sometimes does not even wear before they go to Goodwill. She even belongs to a shoe-of-the-month club, most of the shoes she receives which she doesn't like. She currently works as a bartender, a job she likes, and which she makes most of her money on highly disposable tips. While she does not see herself being a bartender or waitress at age fifty, she has made no effort to increase her marketable skills for any other job. Her actions have resulted in $30,000 of debt with nothing to show for it. Stacey has to: show her parents, but most specifically her mother, how much their efforts have meant to her; take steps to advance her career options to something she can see herself doing over the long term; and declutter her life of unnecessary stuff while raise money for debt repayment. At the end of the process, will Stacey feel like she is missing out, or will she instead feel like she is working toward something as Gail hopes?