When we think about improving financial situation or reducing debt, the focus is around spending, credit card interest rates and other financial topics. Yet, this is just ½ the battle. The real battle is with your thoughts, emotions and beliefs about money. Do you feel fear, anxiety, worry, stress or anger when you think about money or your retirement? Would you rather feel more peace, love and joy around money? Of course, but how can you do this? Many believe that if we change the event (debt, income, etc.) that our feelings will change. To a certain point this is true because you are reducing a cause of the emotion (debt), however the feeling will pop-up somewhere else. To feel better about money takes changing our conscious and unconscious beliefs about money.