"Why is it that so many people have recurring financial problems? Are they undisciplined? Are these people not intelligent enough to grasp basic financial processes? No. Financial problems don't stem from our shortcomings; they stem from our distorted perceptions of money.
Many of us have a dysfunctional relationship with money. We often feel overwhelmed by financial concerns and decide that we are incapable of coping with money matters. This is wrong. You have everything you need."