Dont have a tone of advice........but when I read your thread......laughed! Pictured a Mom hiding in a closet just to have a convo with financial planner. Like a picture from a movie. I only laughed because I too can be a mom who feels like the only way to get a solid convo with anyone is to hide behind a closed door. I guess thats called "parenthood". Can barely handle my 11 yr old daughter and 9 yr old son these days. Argue all day some times. Heard a friend talking once about what she and her hubby do, thought wow that sounds nice. They have coffee together in the kitchen every day @ 5pm, supper is going, kids are playing or watching a show. the rule is, no one is allowed to bother then during that time. We do that early in the morning on weekends while the kids are still sleeping. LOVE IT! When you have kids, you have to take what you can get.