Just about everyone believes the “Big Lie” about personal finance. It’s the belief that your financial difficulties are your fault; that they stem from your being lazy, crazy, or stupid, or are beyond your ability to manage. Well, they aren’t and they don’t. We’ve spent years consulting with couples and individuals struggling with money issues. If we’ve learned anything from that experience, it’s that chronic self-defeating and self-destructive financial behaviors aren’t driven by our rational, thinking minds. The truth is, they stem from psychological forces that lie outside our conscious awareness and their roots run deep into our past. A critical element to overcoming your money disorders is getting honest about your relationship with money. You have already taken the most important step; being willing to take an honest look at your financial behaviors.