Job: Working toward a math education teaching license from the University of Minnesota this summer and helping her husband, Dave, in his job as youth director at the Aldrich Avenue Presbyterian Church in south Minneapolis.

Annual earnings: The family income is $21,000.

Education: Mounds View High School and the University of Minnesota, where she majored in math.

Last major purchase: A used Toyota Camry for $3,600.

Next major purchase: Another car to replace her expiring Oldsmobile.

Smart money: They pay no rent because they live in a house provided by the church. They donate to Africa Jam, a Christian camp in South Africa.

Stupid money: "I love to shop for clothes and purses and shoes. I need to cut back a lot on that."

Financial planning: Set up a Roth IRA last September, just after their Aug. 28 wedding. "We knew it was important. One of our friends graduated [in business], and this is what he does, so he was our financial adviser."

H.J. Cummins