That’s one of the big differences between

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Financial Peace, and Financial Peace revisited, the family connections. Money management isn’t just numbers. It’s also about attitudes and feelings. If you ignore that part of the equation, you could doom yourself to failure.
It’s much like dieters being asked to keep a food journal that asks how they FEEL when they eat. Are they eating when they are bored?
Stressed? Lonely? If a diet ignores these factors, and just says, eat less, move more, without addressing the other factors, it’s a duct tape fix at best.