It’s true that financial trouble is a major contributor to the breakup of the American family. It is also true that gaining control over one’s finances can repair marriages, restore families, and change the future. For that, I am eternally grateful. Let me assure you right up front that it’s possible for you to gain control of your financial situation, no matter how difficult or impossible things may appear right now. In the same way you had to learn your three Rs as a child (reading, ‘riting, and ‘rithmetic!), there are three Rs of personal financial recovery that form the foundation of meaningful change. Responsibility No matter the contributing circumstances, until you are willing to take full responsibility for your financial situation, there is probably little hope for meaningful change. To blame others and assume the role of a victim is a terrible waste of energy. You may need to …