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Once a couple can recognize that (and financial adivsors) and talk about the emotions behind money management , as well as the facts, then they tend to act more rationally.
@Louise - I agree. We all like to think reason and logic serve as anchors to the decisions making process. The truth, whether we like it or not, is that emotions are often more powerful than rational. As humans, I believe we must accept this phenomenon and learn to incorporate it into a process in a way that will benefit us.