My mother asked me to bring her a latte, grandé size with vanilla and almond milk. She recently discovered her fondness of Starbucks lattes after living in the United States for nearly 50 years. After placing my order, I walked down the counter to wait for the lattes – yes, I ordered one for myself. I looked to my left and saw a woman sitting at a small table. She was typing on her computer. Near her right hand was a caramel Frappuccino. The sight of that Frappuccino took me

“I’m not good with money,” That was my client’s go-to line for explaining away anything that involved negative cash flow. It was used to explain why she continued to struggle to pay her bills, max out her credit cards, and draw excessively from her now two lines of credit. It was also used to explain why she sold her home in order to continue having money to operate her business. By the way, my heart sank when I learned about her home. How did that happen? Was there really no