One kept asking for advances on her paycheck, so I finally sat down with her and went over her spending habits. She was buying Starbucks and lunch every day, $40/wk on coffee and $100/wk for lunch. I pointed out that just cutting those two things in half would be enough to go to Mexico for a week. I didn't even bring up the Ford Raptor that she pays $600/mo on or their overlanding Toyota Tacoma that's about $450. It was no wonder that even with two good paychecks and federal benefits that they weren't making ends meet.