Dear Reader, Most people feel a lot more empowered to decrease their expenses than to increase their income. If the numbers aren't working, they know how to look at their spending and ask: What can I cut? Where am I overspending? What can I go without? Increasing your income can feel a lot less within your control. So one of the first things I help people figure out is whether they actually have a spending problem or an income problem. Because you can't budget your way out of not making...