BBM.
I just took a quick look at 4 bedroom homes in East Cobb, and it appears the average price in the lower end range is about $250K. Closing costs alone for $250K will be about $5,000 to7,000. With about 5% down, one would need at least $15-20K in cash to close on a home in that price range, and possibly more for PITI, depending on the loan terms. With a 30 year loan at 6.5%, monthly payments would be around $1700.
They may have been doing just fine meeting their financial obligations as renters, on their 2 salaries. An average full time dietitian (assuming she was full time) makes around $50K/ year, and with his Home Depot salary of $61K, they probably made a little over $100K together. I don't know what kind of a raise RH was trying for at HD, but I'd be surprised if it would have been more than an additional $10K, so his monthly income would not have risen very dramatically even if he got the raise. The Chick Fil A corporate job he interviewed for was probably a lateral move at approximately the same income range.
I think they had a comfortable lifestyle, and really, $4000 credit card debt isn't very far outside of the norm these days for folks in that income range.
They would need a bit more than $6000 cash to close on a 4 bedroom home in that area, but perhaps their parents were going to loan them some money? Who knows-- it's a moot point now.
And I also kind of wonder why RH gave control of their finances to his brother?? (From the AJC article.) Why would LH not be able to handle their finances? Could they be seriously contemplating that she might be arrested, too?