By Donna Freedman
As children, we fear the nameless monster under the bed, but we grow out of it (usually). A financial boogeyman doesn’t go away. It hovers, and it whispers:
* People like us never get anywhere.
* You don’t earn enough money to save, let alone invest.
* You’ll never get out of debt.
We’re usually not consciously aware of these statements, but they affect the way we spend or don’t spend, save or don’t save, plan or don’t plan. Even if we do acknowledge these thoughts, they seem rational to us. They feel real.
