Marcy and Dan were high school sweethearts who married young and built a life together. Between Marcy's work as a waitress and Dan's as an electrician, they have raised their now-teenage children with a lot of hard work and sacrifice. While at lunch with a group of friends, Marcy hears about her friend Diane's mother, who, due to a lifetime of poor financial planning, has had to move in with Diane, putting a strain on Diane's finances and marriage. While saddened to hear about her friend's misfortunes, Marcy realizes she needs to consider her and Dan's future and their lack of retirement savings. She and Dan meet with a financial planner for help with retirement planning, and they learn about their options for saving and investing.