I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand.

It's time for some money rehab. According to a new report,

23% of all couples are staying in their current relationships due to financial dependency.

This is the situation that Crystal Hefner found herself in

when she became Hugh Hefner's third wife and then widow.

In her new book, Only Say Good Things,

Surviving Playboy and Finding Myself, Crystal opens up about the financial

control she was subject to during her time in the Playboy Mansion.

Today we follow that money trail and more.

Crystal and I talk about what she did to build up her nest egg so that she could give herself a shot at financial freedom.

We also talk about the weird money habits that kept Hugh Hefner's girlfriend's dependent,

how much playmates really make, and what Crystal is now doing with her engagement

ring. Here's our conversation, and no, we don't only say good things.

Crystal Huffner, welcome to Money Rehab.

Thank you, thanks for having me.

For those who don't know, can you talk about the first time you went to the Playboy Mansion?

I went to a Halloween party in 2008.

I had never seen a celebrity in my life.

And when I got there, we saw just a wave of people coming across the cabannets.

And I thought, oh my gosh, that must be a Hefner, my extroverted friend like dragged me over to where Hef was and seeing him in the cabana, it's almost like being at the zoo, like you see into the enclosure and seeing there and we're on the other side of the rope.

But then Hef's gaze fell on me and he invited me into the cabana and it all started from there.

Well, is your first impression of him? I thought he was magnetic. It all

...