“The best way out is always through.”

  - Robert Frost 

Earlier, we identified four types of people and how they manage money. People in each category come to a moment of choice when they either move forward or stay stuck in a rut. 

Many people who are buried in debt have continued to make poor decisions because they don’t want to face painful realities. Robert and Joyce had made countless bad decisions over the years, and now in their 50s...