Are you overdue for a financial health checkup? Do you dream about being financially independent, but struggle to believe that it’s actually possible for you? Are the bills piling up in your household? Are you afraid of the financial obligations that come with the next thing to go wrong in your life? Thankfully, there is hope. According to USA Today, nearly 2/3 of Americans are in debt. Of those, nearly half have stopped paying one or more of their credit cards. I don’t doubt the numbers are similar in Canada and around the world. If this is you, you might feel like your situation is hopeless. But there is always…