Has money ever stressed you or your relationships? Do you know why most budgets don't work? What do you truly value? Is this where you spend your money? "At the Heart of Money is a fresh approach to challenge, transform and renew the way you think about money. Budgets don't work for two reasons: * Budgets are made with the head, but spending decisions are made with the heart. This is the head/heart tension. * Budgets are not the first step in a financial plan. To be effective, the spending plan has to follow the discovery process, with an emphasis on core values.