Of all the things I’ve ever dreamed of being, advice columnist was never on the list. But here I am playing one every day. That’s because while my inbox loads up with tips, hints and questions related to frugal living and getting out of debt, many questions spill over into dilemmas—family, life, and love. Dear…

Dear Dave, In your mind, what are some of the biggest mental and emotional obstacles preventing people from addressing their financial problems? Roger Dear Roger, This is a great question! There are always circumstances beyond our control that can put us in a bad place, financially or otherwise, for a season. But to change your…