David and Joanne found themselves reluctantly meeting a credit counselor. A lavish Christmas season had left them with crippling credit card debt. “I don’t know where the money goes,” Joanne lamented. When the counselor talked about trimming expenses, David was quick to protest, pointing out that he had an obligation to his extended family.
As the counselor explored their spending habits, he found that Joanne rarely got involved in managing their finances, and David admitted, “I avoid paying bills because I dread it.” The edge in their voices showed that they hated to talk about money with each other, let alone with a stranger.