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Healthy Money Relationships

Faux Financial Intimacy or Genuine Communication

Are you and your spouse truly aligned when it comes to finances? Do you rarely experience conflicts about money? If so, you might have financial intimacy in your relationship. This goes beyond merely sharing financial information. It involves both partners feeling...

Maintaining Elder Independence Without Burdening Your Family

As we age, what does staying independent look like? This is a tale of two families, similar in political and religious beliefs, income, and net worth, who approached aging very differently. The first family had a culture of self-reliance. As they aged, the parents...

Toxic Positivity Can Harm You Financially

Positive thinking about money can be beneficial. It can also be harmful if it leads us to suppress our emotions or avoid financial realities. This dark side of being positive is described in a Psychotherapy Today article referencing a book titled Toxic Positivity by...

Believing You Don’t Deserve Money

“I don’t deserve money,” is one of the ten most common money scripts. Holding this belief has very little to do with whether society, friends, or family view you as deserving.  Few people would argue that we all deserve the support money can give us to have nutritious...

The Slippery Slope To Unethical Financial Choices

No one deliberately sets out to make bad financial choices. We usually think we are doing the right thing at the time. Even so, all of us make money mistakes and have to deal with the consequences. When a bad financial choice crosses the line into something unethical...

Correcting The Myth of “One Money Script”

Recently a financial professional asked me, “Rick, what is your money script?” I was a bit baffled and responded, “I have well over 100, not just one.” He said, “No, there are only four, and I was wondering which one is yours.” He misunderstood the concept of money...