Does the fear of change hold you back from taking steps in your life that you know will have positive results?
I've noticed over the past couple of years as we have worked at digging ourselves out of debt that others have stood on the sidelines and watched. I think they were waiting to see if we were going to make it, and see just what we would have to sacrifice to achieve our desired results. Now that we are debt-free (except the house) I think they secretly long to take the journey themselves, yet are afraid of the changes they will have to make in their lives.
If you want something different in life you have to be willing to do something about it. You have to be willing to be different from everyone else. As Trent Hamm says in his book http://www.amazon.com/Simple-Dollar-Wiped-Achieved-Dreams/dp..., "Success comes from being different, not from simply repeating the moves of everyone else". Or to quote Dave Ramsey, "Live like no one else, so later you can live like no one else." We have to put aside the fear of change and take the plunge.
Our old ways of doing things are comfortable, even if they're not the best thing for us. How many of us know we need to exercise and eat better, yet are not willing to make the changes because of the sacrifice it will entail? Old habits are hard to break.
Change is a big step. Sometimes it's a scary one. But if you take the steps to get your financial life in order you are creating a better life for your family and could very well change your family tree.