Being a husband and father is tough.  It is definitely the hardest and most worth-while experience of my life.  I am willing to bet all spouses and parents would agree with this.  Leading our families requires very intentional thinking and actions to create the outcomes we desire.  We face so many challenges, but there is one challenge I see families faced with more and more every day that places a stranglehold on millions of families across America – finances.  Perhaps I should say lack of finances.  Early on this was a huge struggle for our family.  It was the number one stressor in our relationship and often the only thing Beth and I ever fought about.  I learned to create and focus on one simple word which has radically transformed our family life and completely removed this stress from our household.