Is your marriage starting to buckle under the weight of your financial troubles? Use this time to build the strongest foundation possible.

Get Gary's five-step action plan for couples.

"Fight for your marriage. Make that decision," Gary says. "And once [you] get through this, [you'll] be able to look back and say: 'Wow, we got closer through it. We're closer to our children.'"

More Money Advice from M. Gary Neuman

• How to start the money conversation with your partner
• Use this script to talk to your kids about money
• Get your finances back on track with Gary's 6-step budgeting exercise