If shame and stress bubble up anytime you think about your finances, you’re not alone. Most Americans live paycheck to paycheck and have less than $1,000 in their savings account, according to Bankrate’s January Financial Security Index survey. But David Bach, today’s MarieTV guest and brilliant money expert, says that most of us don’t have an income problem, we have a spending problem. Imagine achieving financial freedom. Guess what — it’s likely within your reach if you put three simple…