At Money Certain we like to think of the lower left corner of your puzzle as the things that keep you from effectively handling the financial destroyers. We refer to these as the "5 Stumbling Blocks" to overcoming the 5 D's. These 5 stumbling blocks are easy to overcome if you let Money Certain help you get passed them. Let's take a look at each of them.

Stumbling Block #1: Too Little Information - most of us learned about finance from our parents. We are truly limited in our financial knowledge. The truth is that basic financial information is very easy to learn - an 8th grader could learn how to be wealthy!

Stumbling Block #2: Too Little Confidence - without information we have no confidence in our decision-making abilities. So we procrastinate until we finally convince ourselves to ignore it completely because the financial cards are stacked against us. That's a lie - you can learn how to make sound financial decisions and be financially successful.

Stumbling Block #3: Too Many Resources - we usually think the more the resources the better. But in this case we have so many options we freeze. We don't know what resources, if any, to trust with our money. We end up paralyzed and in a state of indecision.

Stumbling Block #4: Too Little Time - The financial industry has convinced us that financial decision-making is very complex and time consuming. Not so!! You can learn decision-making skills and implement a decision-making matrix that reduces time and increases your chances of success. Money Certain's seminars can help you do that.

Stumbling Block #5: Too Short a Perspective - We are a culture of instant gratification. That is probably the biggest reason for the huge debt that family households are carrying. But building wealth takes time. Your perspective must change - you must begin to think about the effect your present spending is having on your future financial circumstances - particularly your retirement years.

Let Money Certain help you get started. Go to "Course Descriptions" to review the available courses. And don't forget our "Value Bundles." Start building your Financial Puzzle today!