Dear Reader, One of my clients—a first-gen single mom in her early 30s—came to me convinced she had a spending problem. She was carrying close to $40K in credit card debt. Her credit score had dropped. She was working two jobs. Sleeping five hours a night. And her internal narrative was: “I need to be more disciplined.” “I just need to stop messing around.” “This is my fault.” But when we ran what I call a Minimum Income Audit, we found that her income was below what’s realistically required...