Much of the writing by "money experts" starts off with a story about how they had fallen deep in debt, hit rock bottom, experienced some kind of epiphany and through a radical shift in behavior, managed to un-dig their financial hole.  This entire experience becomes their motivation to show others how they can dig out of their holes too.   But what about all those people who are just kind of hanging in there?  For these types, the problem is more about being muddled, frustrated or stuck, but they aren’t on the verge of bankruptcy.  With no major external shock toRead more »