Learning to be financially healthy is not mainly a math issue. Our problem isn't that we don't know how to put numbers on paper, add income and subtract expenses.
Our problem is that we don't do it. Or worse, we don't want to do it.
Being financially healthy is mainly a heart issue. It's not mainly a how-to issue (though, of course, that may be the case at times). In my own experience with money and from observing others, what I've found is that it's a want-to issue.
As with any other area of life--think working out, eating right, organizing that filing cabinet in your basement, cleaning out that garage, planning meals, whatever it is--the main issue is I need to want to do it. If I want to do it, I'll figure out how to do it.
When it comes to our financial health, we have to ask ourselves one, crucial, foundational question, "Do I want to be healthy?"
Sometimes we have to answer that with a "YES!" daily or even multiple times a day.
But once we say "yes" and commit to saying "yes" over and over and over. We're already getting healthy.
I'd even argue the hardest battle is already won.