How do you feel when you sit down to pay your bills each month? Most of the people I know think of money as a burden. For many of us, finances cause us extreme stress and consternation. Consequently, often we are in a hurry to hand over responsibility for our money to someone else: the bank, our spouse, or our financial advisor. While there is nothing wrong with seeking advice from others, at the end of the day we must take complete ownership for how we use our resources.