John entered his second marriage at 38, with a painful secret. He was $25,000 in credit card debt. He always meant to tell Susan, but could never find the courage. John was deeply ashamed both of the $25,000 debt itself (it was consumer debt) and even more that he hadn’t told Susan.

Five years into the marriage, he was pretty sure Susan suspected (after all, a few hundred dollars a month didn’t make it off his paycheque into the family budget, but mysteriously ‘disappeared’ each month), but still didn’t feel ready to discuss it.

John came to me wanting to get really organized with his spending, and make a plan to shed the debt. How would you suggest he deal with his secret?

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