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I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money

M  As we see people in desperate financial situations, we look to find solutions.  Sometimes the problem sprouted before the medical crisis, job loss, or death.  The crisis might not be avoidable, but habits before can lessen the pain.

V Recently we learned of a couple in desperate circumstances due to the husband’s hidden gambling habit. Upon his death, she shouldered huge debts.  We can’t stress enough that transparency in marriage is a requirement.  Spouses have told me they saw warning signals, but did not want to face them.  Death does not negate debts and responsibility of that person.  Talk, be alert, be transparent.

M  Courage, my friend.  Transparency and addressing the problem can lessen crisis ahead.

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