Well, sometimes when you have to face your finances, sometimes you have to look in the mirror and really get a good handle on who you are. Sometimes people are afraid to really put down on paper what they want because maybe they are spending too much and they do not really want to face that fact. They feel may be perhaps they wanted to spend the money now, so it is sort of an immediate gratification. It is very hard for people sometimes to really put their situation down on paper, create their own balance sheet, and really get a good handle or understanding on what they are worth.
