Hi. I'm Max, and I'm really too embarrassed to say anything much about myself in terms of my current financial situation. I have a very difficult time processing any knowledge relating to money. In other words, I seem incapable of learning how to manage money and I get physically uncomfortable when I sit down and try to learn about money. Right now, I'm shaking. I clearly have some very core issues. I used to be involved, before I got married, with women who were high-earners so I never really needed to think much about finances from a survival point of view. God made sure, though, that I marry a woman who is less informed about money than I am; and she had no career. I had to take on a new career and I have been the sole earner. I'm grateful for what we do have, but over the past 14 years of our marriage, I'd have hoped to have risen a bit more assertively to the challenge of being responsible with money. Our oft-touted mantra is, 'We're not extravagant." And indeed, we don't indulge in any luxury at all. Hardly ever have vacations but for a few days away at a hotel. Our money goes to basics and shelter, which in our zip code, is about 40% income or higher for middle income folks. Anyway, it's late in the game for me, but I'm going to try.