We’ve all heard the advice: Save for retirement, start saving early, don’t spend more than you earn. But rules like these are far easier said than followed, especially when you’re short on time, or money, or both. Wendy De La Rosa, PhD, of The Wharton School at the University of Pennsylvania, talks about why it’s so hard to take financial action, how financial stress affects us and our relationships, and why we need to get rid of ‘financial shame’ and talk more openly about money. For transcripts, links and more information, please visit the Speaking of Psychology Homepage.