I am with financial /debt coach Ericka Young. Ericka currently teaches her message of debt freedom through her e-newsletters, personal coaching, workshops and speaking engagements. -Why is it difficult for couples to discuss finances? -What are some key concepts you want couples to take away from your book? -What is your favorite chapter in the book? Why? -When is it a good time for a couple to discuss finances? During the dating stage or engagement stage?