We receive calls every week from distraught spouses who know the family budget is unsustainable. They may have seen it coming for months and even years but do not know what to do. They may have spoken to a financial advisor. Financial advisors primarily focus on investible assets (extra money you have to invest). They usually do not discuss how you are spending your money and why are not managing it well.
These spouses almost always want to hire us on the spot. But they need to get past their gatekeeper, their spouse.