What is “Tough Money Love” in Personal Finance?

There are hundreds if not thousands of websites covering personal finance issues.  Most are hosted by vendors trying to sell you something.  Others dish out conventional advice that can be found in any personal finance book or regurgitated by financial planners.  Still others offer a steady stream of fluffy  affirmations, feel good pep talks, and cheerleading for folks with serious and chronic money/behavior problems.  (If you need affirmations for bad money behavior, I recommend that you visit the Women in Red Forum on MSN Money or watch the Oprah show.)
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