How important are money management and finances in marriage and family affairs? Tremendously. The American Bar Association recently indicated that 89 percent of all divorces could be traced to quarrels and accusations over money. Another study estimated that 75 percent of all divorces result from clashes over finances. Some professional counselors indicated that four out of every five families wrestle with serious money problems.

God loves us. He is good, He is our Father, and He expects us to pray, and to trust and be believing, and not give up, and not panic, and not retreat, when something doesn't seem to be going just right.

Rich or poor, we are to “do what we can” when others are in need.

Love. Healing. Help. Hope. The power of Christ to counter all troubles in all times—including the end of times. That is the safe harbor God wants for us in personal or public days of despair. That is the message with which the Book of Mormon begins, and that is the message with which it ends, calling all to 'come unto Christ, and be perfected in him' (Moroni 10:32).

The crowning characteristic of love is always loyalty

Believe in miracles. I have seen so many of them come when every other indication would say that hope was lost. Hope is never lost. If those miracles do not come soon or fully or seemingly at all, remember the Savior's own anguished example: if the bitter cup does not pass, drink it and be strong, trusting in happier days ahead.

Above all, never lose faith in your Father in Heaven, who loves you more than you can comprehend.