H swears he'll have his finances in order by Jan 1st. I know he won't though he genuinely thinks he will. I hate that I know him better than he knows himself. He has an amazing ability to con himself and to feel bad about himself but to hide it behind pride.
Instead of quietly doubting him, consider encouraging him to reach the financial goal by offering some sort of reward. You already know the stick doesn't work, so try the carrot.
M: A really long time. Crisis: 5 years. She's still worth it.
Life is never made unbearable by circumstances, but only by lack of meaning and purpose. -Viktor Frankl
