Deprivation is like a world with certain colors missing. Chronic underearning or anorectic spending are adaptive responses to living in a world that feels too damn scary. These are subconscious devices that struggle to reconcile the outer world with an inner world of fears and doubts about ourselves and our abilities. In some ways, under earning is a protective barrier against rejection, competition, and envy. Underearners do not do well with these. Neither do they do well ad

Here is an outline of what I recommend if debt is a problem. First, establish a spending plan (see The Spending Plan) that takes care of your needs. Once that is done with great care, it is time to address your creditors and set a plan to retire the debt. First, make a list of all your creditors and note down how much you owe each of them. Total them all up. Then assign what percentage of the total each one of them is. That will be the percentage of the total amount you have