Many people are drowning in debt. They must deal with this debt issue in order to move forward in quest to find financial freedom or to be able to have the choice of working or not. Consumer debt including mortgages, auto loans, credit cards & student loans has increased to over $13.51 trillion dollars in the US. You have to make tough decisions about your spending and possibly your income. The most important step is to take action vs hoping your debt will go away. Taking action will forward to financial freedom and avoid you having to experience the pain of hitting rock bottom. You may have to file bankruptcy in order to have the chance at financial freedom. In order to avoid bankruptcy, you must control your spending. Joining us for our discussion on Budget’ (French for Budget) is Kenneth Robinson who is on the phone from his Cleveland Ohio office. Kenneth Robinson is a Certified Financial Planner. He is a workshop leader, keynote speaker, business and financial coach. We are also members in the Alliance of Comprehensive Planners and National Association of Personal Financial Advisors. His latest book is “Don’t Make A Budget: Why It’s So Hard To Save Money And What To Do About It. Welcome back to Mastering Your Money, Kenneth Robinson.