Recently I came across a survey initiated by Fidelity Financial of 1,700 couples.* The purpose of the survey was to discover money matters and how well married couples are agreeing with their financial picture. Surprisingly, 71% said they communicate about financial matters very well and 61% said they talk about their finances at least once per month. That’s good news. 

However, one in five couples revealed that money is their greatest relationship challenge. And, two in five shared how they argue about money with their spouse occasionally. One in four stated they are all too often frustrated with their spouse’s money habits but choose to not confront it in order to maintain peace.

So, what were some of those highlighted disagreements?

• Over 50% disagree about how much savings is needed. 
• Forty percent disagree about the level of risk to take with investments.
• Thirty four percent disagree about who is the “spender” and who is the “saver.”
• One third disagreed about their families next large expenditure.

The most challenging stat from this survey for me came when it was revealed that only 50% of couples make financial decisions jointly with their husband or wife. I simply cannot imagine making money decisions without consulting one another, without honoring the other and without a prayerful process of discloser and input. Disagreement about finances is so often at the center of spousal disagreement and disagreement is a powerful weapon that eventually hurts both parties, not to mention also affecting the children.

My wife and I suffered from the marriage money mix. I thought she was a “spender” and she thought I was a “tight wad.” We accepted those terms as who we were or how we saw one another, but in time and with better discernment discovered that we were both wrong. We desperately needed each other’s view of finance, but we also desperately needed to find agreement.

I was wrong as I discovered that my wife was not a spender but rather a “giver.” She discovered that I was not a tight wad as much as I was saving for our future dreams, an “investor.” We discovered that we were both right and when we found agreement, we found peace in the mix of our money matters. We discovered that we each needed the others input and view of finance.

Do not allow financial disagreement to spread in your marriage. Get on a livable, agreeable budget. Discover the needs that you are each trying to meet in the midst of your disagreement. Pray about your finances together. If necessary, seek counsel and do not keep putting it off.

When we kick the financial disagreement can down the road we will discover mistrust entering into the equation. Where there is a lack of trust, there will be a deeper marital issue to deal with.

There are 2,350 verses in the Bible that speak to the issue of finance. Apparently God knew we needed extra counsel in this area of our lives. Here are just two of those amazing verses:

The greedy bring ruin to their households, but the one who hates bribes will live. (Proverbs 15:27)

Dishonest money dwindles away, but whoever gathers money little by little makes it grow. (Proverbs 13:11)

*From the Sound Mind Investing newsletter, 9.13.21

Couples in the U.S. are waiting longer to marry and living together in an attempt to try it out.  These reactions are simply due to anxiety brought on by the number of marriages that are failing.  One in four marriages is ending in divorce, which is better than one in two, but not where we desire it to be.  Let me put it in a different framework:  what if one in four planes that took off crashed; how quick would you be to board one?

For some of us, many years ago we spoke something called vows that went like this: For better, for worse. For richer, for poorer. In sickness and in health…till death (not murder) do us part.  Never did we ever imagine having to face such issues.  But, truth be told, we will face these things as some of us already have.  

We all marry into brokenness.  There is no perfect marriage because there is no perfect person in marriage.  If you found the right person in marriage, you found an imperfect person.  And not only are they imperfect; you’re imperfect as well.  

Do you know why we take pictures at weddings?  Because it’s the last time you’ll see anything close to perfection.  Even some of the clothes are rented at a wedding.  Erma Bombeck said, “Marriage has no guarantees. If that’s what you’re looking for, go live with a car battery.”

Here’s the good news for those of us who are married and those of us who are not: marriage has a 100% chance of being absolutely fantastic, whole and awesome if we will commit to following Jesus and following biblical principles for marriage relationships.

Exodus 34:14 – Do not worship any other god, for the LORD, whose name is Jealous, is a jealous God.

I love that.  God is jealous over you; it’s a positive thing; it’s a righteous love.  We too can become jealous as we bond with a life mate.  To be jealous is to be intolerant of rivalry, like God we become jealous because we love.  In God’s jealousy He protects, He guards His children from the foreign god, from idolatry.  As husband and wife, we guard, we protect against a foreign intruder into our marriage.  One of those foreign intruders is an affair.

An affair happens when one takes the most sacred expressions in marriage and gives them to another.  So you can have an affair without sex by giving what belongs only to your spouse to someone else.  Before this happens, however, there are numerous other issues going on.  It is like the warning lights on the dash of your car.  You can ignore them for only so long.  And while ignoring them, the problem usually grows worse.

Today, affairs are starting anywhere there is close proximity and working relationships.  Facebook is a huge source of marital failures as people find “first loves” in a desire to feel a feeling they once felt.  You can be involved in an affair simply through your computer and never meet face-to-face.

We are all potential vow breakers.  If we think it can’t happen to us we can become sloppy and less guarded, not alert to the enemy’s schemes. To those of you who have been tempted and who gave in to that temptation, this message is not spoken to condemn you in any way.  We serve a redemptive God and He forgives.

Dr Gail Saltz psychiatrist with New York Presbyterian Hospital said this concerning affairs, “Many people convince themselves so long as there is not sex it is not an affair, but it is.  It has to do with secrecy, deception and betrayal and the emotional energy you are putting into the other person vs. your partner.  The most difficult thing to recover from is not sex, but the breaking of trust.  Those involved in an emotional affair are often in denial.  They do not think they’re having an affair at all.  The denial keeps them guilt-free and they tell themselves, ‘It’s just a friendship.’”

But one in two emotional affairs becomes a full-blown sexual affair states Dr. Saltz.

How do you know you’re in an emotional affair?  Dr Saltz shares ten warning signs:

1. When your meetings are kept secret from your spouse.
2. When you say and do things with someone you would never do in front of your spouse or you would feel guilty if your spouse happened to show up.
3. When you make it a point to arrange private talk time with this person.
4. When you share things with them that you do not share with your partner.
5. When you avoid telling your partner how much time you may be spending with this person.
6. When you are stating things about your marriage that you should not be telling another, opening a window to your heart and unmet emotional needs.
7. When you begin discussing your marital dissatisfactions.
8. When you tell this person more about your day than you do your partner.
9. When you “ready your appearance” in anticipation of seeing this person.
10. When there is sexual attraction spoken or unspoken between you.

Even if there is no actual touching, these are signs of an emotional affair.  The emotional high that the sexual attraction, the secrecy, the feelings provide actually becomes addictive and will perpetuate the relationship.  

To guard against ever having an emotional affair or to act in a preventative manner, live your life the opposite of the above ten warning signs. Secondly, set boundaries for your marriage relationship just like a dating couple sets sexual boundaries.  As a couple, what are you comfortable with and what are you not comfortable with (e.g., phone calls, meeting for lunch, driving in a car alone with someone of the opposite sex)?

Next week I will share part two of Affairproofing Your Marriage.