Is your conversation about money with your spouse or significant other always negative? How long has it been that way? If you are constantly trying to avoid the money conversation, there is a need for change! It's time to take the blinders off and face reality, YOUR FINANCIAL SITUATION WILL NOT CHANGE UNTIL YOU CHANGE SOMETHING! If what you are doing now is not getting you any closer to where you want to be........change something. If year after year you find yourself in the same boat.......change something. Still unhappy on the job despite your raise or lack of one, change something. Bottom line, you are in control of your life. If you don't like where you are today, CHANGE SOMETHING.