Finances scare me as well. Every night on the way home from work, I see the Powerball billboard, and sigh, thinking "If only..." lol. But you are right, fear can paralyze us (I know it did this summer). I don't fear a D anymore, I fear for the kids well being.
You are right about the mom/foreman thing. Sit in the midst of the mess and just play. Then clean later. Or not.
