Summary: Is history repeating itself when it comes to your money? Neither your savings nor debts are heading in the right directions. You still don't understand how your 401(k) is invested and you can't seem to get yourself to tackle the other money items on your list. Well — and we mean this in the nicest way possible — maybe it's you. That's what human lie detector and life coach Lauren Handel Zander tells us. The author of "Maybe It’s You: Cut the Crap, Face Your Fears, Love Your Life," helps us figure out not just what we want out of life, but how to get there — and it all starts with getting honest with ourselves about money, careers, health, relationships and more. In Mailbag, Kelly and I answer your questions on how to raise credit scores and how to ask for a pay bump when you know someone at the company is leaving. And, in Thrive, we discuss how Venmo and PayPal have new competition in the peer-to-peer payment space. There’s an app called Zelle that could either be a great way to pay back friends — or an excellent way to get scammed. Are you using it?
