It was a beautiful sunny day at Stinson Beach. The temperature was perfect, and the water was inviting. Unfortunately, you ignored the rip tide warning signs. It was not until you were being swiftly pulled away from shore that you realized that you were in danger. Lucky for you there was a lifeguard on duty.

That beach experience reminds me of what my budget clients’ experiences before they find me, their financial lifeguard. It has all the same components: denial, fear, a sense of a loss of control, and helplessness. READ MORE