One of the most difficult places for people to accept advice or instruction is in their finances. It is not because everyone does well here. It is the number one cause for divorce in the United States. Over 75% of full time workers live paycheck to paycheck. 70% carry consumer debt. With those statistics you would think we would be hungry to learn and get advice but that is not the case.


There is no shortage of advice either. People like Dave Ramsey and Suze Orman have sold millions of books and have had millions of people go through their courses. There are plenty of financial counselors and advisors in even the smallest of towns. Resources are not the problem. There are some underlying reasons why we avoid or resist advice concerning money; here are four of them.


It Requires Discipline

This is usually where the financial wheels struggle the most. Even if we get advice or read a book, the things they suggest for improving our financial situation require a certain amount of discipline. We have to consistently do some things that are not always convenient or comfortable. And much like other areas where we may struggle, discipline is necessary if we are going to be financially fit. 


Cultural Pressure

There is this constant pull to have more and to do more. Having more and doing more usually require more money. So instead of missing out, we stretch ourselves financially to do what everyone else is doing. Children and teens are not the only ones struggling to conform. The problem is as we get older, the conformity gets more expensive in the form of houses, cars and vacations. 


Everyone Has It

Money is common. Everyone has it. We want to believe that if it is so common and everyone has it then it must be easy to handle. Just because something is common does not make it easy. Sometimes that complicates things even more. You do not have to fall into the trap of doing what everyone else does with their money.


We Don’t Want To Feel Dumb

Our insecurities make us afraid to ask for help. We do not want anyone to think we are dumb or that we cannot figure it out on our own. The smartest people get the best advice. Don’t believe that smart or successful people always figure things out on their own. They are smart enough to get help. Don’t allow your insecurities to keep you broke and struggling. 


Clearly, the majority of us could improve the way we handle our money. Don’t allow something to hold you back from getting the help you need to make the changes necessary to enjoy financial freedom. 

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