"The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. For example, if you have credit card debt, there's a very good chance that what needs to change is your spending. There's a reason so many people who declare bankruptcy once end up back in bankruptcy court again: They continue to live beyond their means. I guarantee that if you make the commitment to changing your behavior so you can live without financial stress, you will have a vastly richer life."