Donn and ?Janet Ehrich

Ages: Donn, 61; Janet, 70.

Family situation: Married for 23 years.

Occupation: Donn, sheet-metal worker with Goodyear; Janet, retired elementary school teacher at St. Augustine School in Barberton.

Hometown: Norton.

Annual gross income 2013: $86,000 (estimate since Donn was off for some time for health reasons).

Annual gross income 2008: $82,000.

Total debt 2013: $38,000 ($21,000 home-equity loan; two new cars, $5,000 and $12,000).

Total debt 2008: $36,200 ($31,000 home-equity; one car $5,200).

Total in savings 2013 (not including retirement): $29,000.

Total in savings 2008 (not including retirement): $27,600.