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I understand your concern--children can be affected by growing up with a chronic complainer. The first step is for your wife to recognize she is indeed a chronic complainer--but that is not an easy step by any means.
I discuss chronic complainers at greater length in my book The Squeaky Wheel (Chapter 4) and perhaps reading those sections would help her recognize her over-complaining. I also discuss how over-complaining can impact the entire family and I illustrate these concerns with a case study which I refer back to in later chapters (the Bell family).
Perhaps one way you can work on not procrastinating is to take action on the issue of your wife's over-complaining, either by talking to her about how troubled you are by it or by getting her to read the book--or reading it together. You might consider saying something like, "I think we tend to complain too much so I got us a book we can read together" as the 'we' might be less offensive to her than you telling her she's a chronic complainer and has to do something about it.
Also in Chapter 6, "Squeaking to Loved Ones" you'll find tips on how to bring up the issue with her.
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