It's expectations about savings and debt and their values. What's underneath is trust.

I had one new couple who had $20,000 in credit card debt. They couldn't make their monthly payments.

The downgrade reflects expectations for debt reduction in 2006, which — while meaningful — is nevertheless insufficient to improve leverage and other key credit ratios to a level consistent with an 'A' rating level.

There are lots of ways to register assets, but you need to decide which way is best for your marriage.

The purpose of money is to support your life, and if you want to use it to build great memories, go ahead. But you have to remember there is a balance between great memories and prudence.

See what's left and look to see where you can cut back on discretionary expenses.