Adam, Chuck, and Dan decided to live together off-campus to save money during their last year of college at UNH. Though they all were full-time students, the three roommates had very different financial situations: Adam worked 50 hours a week in order to pay for his living and school expenses on his own; Chuck's parents paid for all of his living and school-related expenses; and Dan relied on a combination of two part-time jobs and school loans to get him through the year. Because they realized they each had a different amount to contribute, they decided that every month each roommate would give what they felt they could to a common pool of money, and then all bills, food, and other expenses could be taken out of that pool by any of the three men when they needed money for something.

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