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Doug Warshauer founder of Kessler Warshauer Ventures, a highly successful private equity investment firm, feels that people who face financial challenges normally suffer from a deep sense of guilt and feel that their problems are their fault. At the same time, most people believe that they have above average intelligence. This creates a dissonance between the belief that they are smart and the reality of their financial problems. Here are the expectations that most families have: they will own two cars, a house, have all the trappings of a successful lifestyle like flat-screen TVs, iPhones,
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