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The world's finances are being shaken to their core because of - well - cheating and greed.' Nonetheless, people are being laid off, large companies are going out of business, small businesses can hardly pay for even minor fees to keep themselves afloat, and the price of gas keeps yo-yoing.' The good news is that you can buy a car for under sticker price...as long as you don't need a loan; you can also buy a house for a pittance...as long as you don't need a loan.A number of financial advisors have reported that their biggest problem is not the most obvious one, which is explaining what folks should and shouldn't do with their cash, savings, and investments.' As it turns out, their biggest problem is how husbands and wives are turning on each other with blame and rage or turning away from each other with blame and fear.Feelings of concern, anxiety, sadness, confusion and fear are, frankly, reasonable emotions when tornados, hurricanes, and earthquakes hit your community...it is reasonable to slap your own - and maybe each other's - foreheads, regretful that you both didn't plan better.' But ultimately, it happened to each of you and all of your neighbors and you have to respond in a constructive way despite your personal pain.Feelings of concern, anxiety, sadness, confusion and fear are, frankly, reasonable responses when the financial bottom falls out from under you.' It's not unusual to want to look for the cause of the disaster whether it is a bank CEO, the President, the Treasurer, modest-income people who borrowed to live beyond their means....or....your spouse."Kicking the dog" because you are upset with your day is animal cruelty.' Kicking your husband or wife when you are both in the same lifeboat is also cruel, and it is destructive to the marriage and the family.Perhaps it is true that one or both of you made some financially unwise moves with investments or by spending too much and living beyond your means with credit cards and loans.' I think that in these situations it is always best for the person in charge of the "errors" to simply own up to screwing up, apologize, and then offer to help make things right.' Once your spouse has thrown himself or herself on your mercy, do not ever make them feel stupid or bad in an attempt to regain a sense of superiority or control.'When things go wrong, turn TO each other with compassion, solace, and a pledge to be a team and work it through together, survive it together, brainstorm together, and work together.' No matter how sad you feel, this is the time for lots of attention and great sex.' Endorphins and orgasms go a long way to keeping you both cheerful about life and life with each other.The financial situation in America and the world, as well as the Dow, will come back up.' Make sure your marriage weathers the storm so that you can both be there to enjoy it. More >>

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As long as you keep sending me stories like these, I'll continue to post them on this blog.' Today's email came from Lori: This is long overdue.' I started listening to your program 20 years ago, when I was in my twenties, newly married, and focused on my career.' I was in the middle of a graduate program that I had worked very hard to get into, when I got pregnant with my son.' I always thought your ideas that a parent should stay home with their child were ridiculous - I thought it was a crazy, backward notion.' That is what day care was for!! Then I had my son. He was six weeks old when I left him with a day care provider to continue my graduate program.' That was also the last time he was with a day care provider.' I physically and mentally could not stand to think that someone else was spending the day and providing for my son - something I should be doing and wanted to do.' After all, who could do it better?' My husband felt the same, so I quit graduate school and all my career plans went out the door so I could stay with my son full time.' While at first it wasn't easy, I can say without a doubt what a great decision that was! When my son and I went to the park or took a walk, I arranged it so I could listen to your radio program at the same time.' While I was sure about my decision, I had VERY LITTLE support from many others.' I got many comments or "put-downs" about what a waste of my life this was.' I felt like you were one of the few who supported me.' You were my advocate, and when I would feel especially down and question my decision, I would listen to you and it would lift me up, and I knew I was right. So, a belated thank you for what you gave me, my wonderfully supportive husband, and my son - who is now a smart, kind, funny, well-adjusted 16 year old.' Keep speaking up for us stay-at-home moms.' I can look back at that time of my life and say I absolutely have no regrets. More >>

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I've been hearing from a lot of stay-at-home moms, and sharing some of their letters with you.' I got this one from a woman who is not a mother, but who has strong feelings about those who stay at home with their kids: My grandmother was a homemaker.' My mother was divorced, and raised us without our "sperm donor" father, because she chose to leave an abuser.' She worked at a company at night, so that she could walk us to school and help with homework (I didn't realize the magnitude of this when I was young, but I surely do now). I'm over 40 now, and don't have any children, and I work full-time.' However, with every job that I've ever taken, I've always known in the back of my mind that it would never be a "career," because I would eventually leave to be a stay-at-home mom.' So, I had to come up with something that I could do to generate income and stay at home:' writing. I haven't quite pursued my writing "career" yet.' I watch pregnant women around my office leave, have their babies, and come back.' Some of them are married, and some not.' Either way, I am dumbfounded that they would not rather be at home all day with the baby. I never wanted to have children as a single woman without a husband.' First, because I didn't want to have to do everything by myself.' As it is now, I hate taking out my own trash, and wished that I had a husband who didn't mind taking on that chore!' And second, because each parent's role is important.' They both matter and make a great contribution.' It's what all children want:' a mommy and a daddy who are together and care about each other.' So, as I get older and my biological clock "explodes," I've never been tempted to do it alone, i.e., just have a baby because that's what I want. Maybe one day, I'll have a MAN who loves to call me his "girlfriend."' In the meantime, I'm slowly coming to terms with the fact that I'll miss that joy of being able to stay at home with my baby and welcoming my husband home at the end of a hard day at work to provide for us. More >>

After posting a blog last Thursday (9/11/08) about "shame," I got this response from a reader: I grew up in a Roman Catholic family.' I attended parochial school, and I also became pregnant at 17.' I was shamed and ostracized for what I had done, but I have to say that the "shaming" I received from my family and community actually led me back onto the right track. I completed my high school diploma by attending school in the morning, and I began college at night (I was admitted to a local university because I was an honor student in my high school).' I attended college with 30 and 40 year-olds!' Ultimately, I graduated college and became a Certified Public Accountant. This was a difficult path, and I recommend it to no one.' I sacrificed much:' my young adulthood.' I did not do the things other kids my age did.' I took care of my baby, I studied, and I cleaned houses.' Although I was ashamed of becoming pregnant so young and out-of-wedlock, I loved my child more than life itself, and I always placed my child's needs before mine.' I did not "party."' I did not hang out with friends.' I did not do things just for myself, and most of all, I did not whine. I don't think most teens are capable of this, and most babies are probably better off being placed for adoption.' I had my family's help - I was not tossed onto the streets, but my parents' expectations were high, and "I" was my child's caregiver (not my mom).' I was the one up at night with my sick baby.' I was the one who took him to the park and the doctor's office, and I was the one he came to depend on most. I have been happily married now for many years to a man I am so blessed to have as my husband.' I have three beautiful children.' I have chosen to stay home with my younger kids and not work outside of the house.' I ALWAYS hated to leave my oldest child and felt tremendous guilt when I headed off to school for the day or to clean houses. It's an absolute treasure to be a stay-at-home mom.' My job in life now is to provide a warm home environment, and to be there for my hubby and kids.' By the way, the baby boy I had at 17 is now an honor student at [a major university], and quite a wonderful young man.' To this day, I still feel remorse that my oldest did not have the same childhood as my other two kids.' I feel I cheated him, and I suppose I always will. More >>