Although it’s easy to blame our money woes on outside economic forces, healthy personal finances are governed by motivation and mindset. Fixing your current money-situation means taking responsibility about your financial decisions and making conscious choices because, as financial advisor and popular radio show and podcast host Dave Ramsey says, “Money is not just about math; it’s about behavior.” Read Next: Key Signs Your Credit Card Is Quietly Wrecking Your Finances Learn More: 7 Luxury SUVs That Will B ...