In life there are three truths we deal with:
Official Truth
Ground Truth
Underground Truth
The official truth is the truth that you discuss in public.
The ground truth is the truth that you discuss in private.
The underground truth is the truth that you ignore, avoid, and fear. This is reality that is often not seen until too late.
FINANCES
The official truth is that our finances are fine.
The ground truth is that we’re on the verge of losing our house and possibly filing bankruptcy.
The underground truth is that we don’t know how to discuss our finances, balance our checkbooks and keep a budget.