In order for Tom and Tina to be watching their son take his first steps, Credit Karma says that a few things have to happen. First, the couple has to be fed up living around college students, they have to argue about Tina's debt, which leads her to do research. Tom has to up his credit score, while Tina must negotiate a raise. The two must then start buying generic, limiting their purchases and use Credit Karma to generate what kind of house they can afford. After finding the right house, they start their family, which leads them to where they are now.