Challenge, Issues of the Day, Marriage, Men, Postmarital, Women

Does Money and Marriage Mix?

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

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Encouragement, Marriage, Men, Postmarital, Women

Celebrating Your Differences

How are you and your spouse different in relational style, emotionally, in finance, in goal setting and/or in your love language? If you’re married any length of time, you most likely know the differences and have arrived at a place of comfort in those differences or you’re still fighting over them.

Early on in our marriage we discovered that Mary, my wife, liked going to bed early and I liked going to bed later. She’d rather avoid conflict and I’d rather deal with it as soon as possible. She is a giver and I am an investor with our finances. You get the idea. 

We married because we had so much in common, but soon thereafter we discovered that each of us see, think and speak differently. So, is that the problem? Yes, if you think your spouse should be more like you. No, if you realize your spouse is what you are not and you are what they are not. In other words, together you bring a more complete picture.

Within five to seven years each marriage should experience a “settling.” That is to say, I accept you for who you are and realize, embrace and enjoy the differences. It’s up to us to make use of those differences for our greater good, a greater level of wholeness and a more complete us. Marriages that settle into maturity stop trying to change each other and accept the quirks, the nuances, the different views and approaches. We are not the same, however; we are united and in agreement as one. We need what our spouse brings to us and they need what we bring.

Stop trying to change your spouse. Work on being the best you can be and give grace for change over time. Realize that as you embrace personal change so will your spouse.

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Challenge, Children, Encouragement, Marriage, Men, Parents, Women

Being a Dad and a Mom and Taking Advantage of a Long Weekend

My wife and I loved watching our kids grow up. We didn’t experience the “terrible two’s,” but rather chose to enjoy the terrific twos. We never believed a child needed to be rebellious in their teenage years. We expected something different and prayed accordingly. We did our best to instill God’s love and truths into their spirits and prayed nightly with them as they laid their heads on their pillows. We broke up sibling fights and did our best to keep boredom from settling in.

We took our children on mission trips around the world, taught them to save their hard-earned money and to tithe. We enjoyed a devotional time together many evenings and loved to leave them in charge of teaching us some spiritual lesson they learned. 

We gathered for meals around our table and discussed our day. It was open conversation time and we specialized in laughing together. Their friends were always welcomed to our home or on our family vacation to the beach, especially in those awkward teen years when they really needed a friend. We included their friends into our family and did our best to be welcoming and hospitable. 

Quite often we had guests staying with us or around our table and we learned to serve and listen to others. On occasion we would travel to Philadelphia and do outreaches to the homeless and we visited our local mission, as well as the very alone elderly in assisted living facilities without visitors.

The children loved their grandparents and we knew relationships were solid when they came home and said, “Grandpa rules.” Being with and influenced by an older generation is advantageous in developing a culture of honor and respect within the lives of our children.

Get crazy and enjoy a good old fashion mud battle with your kids!

Traveling to the mountains together was a regular routine where we would sleep in an uncomfortable rustic cabin, fishing, swimming and playing in the crystal-clear creek. We hunted crayfish, caught lightning bugs and ate lots of yummy food made on a campfire. 

Our home was never a perfect one because it was filled with imperfect persons, but family is what mattered. Now our children have children of their own. Will they go and do likewise? I know so. Family is God’s idea, always was. This Labor Day weekend while you are not laboring, your family is just waiting for time together to build relationship. Go and build memories that will last a lifetime which will then be handed down to their children’s children.

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Healing, Marriage, Men, Women

Affairproofing Your Marriage (Part Two)

This week’s blog continues with the healing piece of infractions within our marriage. 

What can you do as a couple if you have walked the way of an affair?

You must walk in honest confession and humility. Humility keeps you from becoming defensive and blaming another.

Accountability is a huge ingredient because marriage infractions always take place in an environment of deception. Those in an affair have been lying about where they have been and who they have been with.

Get outside counsel and direction.  Do not try to do it all yourself. Both parties, the offender and the offended, need godly wisdom and counsel.  There are a ton of emotions to deal with.

You must work toward forgiveness. There is no greater step of healing than reaching the point of forgiveness.

Trust is slowly rebuilt through the above ingredients. Where there has been an affair, one proves he or she cannot be trusted.  The good news is that trust can be earned back. If one walks out the above, trust can and will be rebuilt to the point that your marriage goes beyond where it once was.  

Reattach yourself to your mate.  Most likely you have moved away from one another in some areas of your relationship. Come together again in dating, in fun, in finances, in sex, in communication, in mutual submission, in serving one another, in forgiveness and in godly counsel.  

You simply must move forward. Moving forward means being totally honest in all areas of life.  Honesty cuts off an affair because an affair was built on lies.

As husband and wife, we are one another’s healer.

Who do men want cheering for them?  Men love women, especially their wives, cheering for them. Women’s cheering section includes love and emotional connection with words of meaning from thier husbands. What has been the missing ingredient in your marriage? What was broken that opened the door for an affair? How were you “affairing” before the actual affair, i.e., work, ministry, hobbies, etc.

Be your spouse’s cheerleader and healer, not their critic. Each of us receives enough criticism throughout our lives without our spouse piling it on.  If you have a legitimate complaint, share it with them.  For example, “I know you didn’t mean it the way I took it, I love you, but when you said __________it really felt to me like _________. I know I could be wrong, but could we _________.”  

Do this through Ephesians 4: 15 – “Instead, speaking the truth in love, we will in all things grow up into him who is the Head, that is, Christ.”  Truth must be given but grace its means.  Truth without grace is just mean.  Truth without grace will eventually destroy love.  Start with praise (grace), a compliment and then move to the needed growth areas.  For example, “I love you; we’re a team. I know you’re busy, but I do need to talk to you about the time you spend with our children.”  Grace must precede truth.  Grace is like anesthesia given in order to bear the truth.  

An affair is not necessarily the end; it can be a wake-up call to needed healing and restoration.

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Challenge, Issues of the Day, Marriage, Men, Postmarital, Women

Affairproofing Your Marriage (Part One)

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.

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Challenge, Encouragement, Healing, Identity, Insecurity, Issues of the Day, Men, Pornography, Women

Sexual Brokenness II

A Thirty Day Devotional adapted from the NEW book: Identity: The Distinctiveness of You – Day 20

For freedom Christ has set me free. Galatians 5:1

I have the mind of Christ. I Corinthians 2:16

God has always said “Yes” to sex because He is the creator of it.  He has some very clear boundaries with that yes because He has our best interests in mind.  We do not have the right to rewrite or change His word according to our feelings.  

In the Old Testament, one of the priest’s areas of responsibility was to “teach [the] people the difference between the holy and the common and show them how to distinguish between the unclean and the clean.” (Ezekiel 44:23) It seems that ever since the fall of man recorded in Genesis 3, we think we have a better way than God and are out to prove Him wrong, except that we keep getting deeper and deeper into trouble.  We bend the rules further and further away from His moral code, and daily we suffer the consequences of those selfish choices.

Sexual brokenness is a worldwide epidemic, with human sex trafficking as the newest form of slavery to plague our world.  Our insatiable desire for “sexual freedom” has led us right back to slavery in order to feed our base desires.  How much more wicked can our world become than to take fellow human beings, sell them into the sex trade, and then discard them as though they were worthless?  The heart of God surely must be broken over such depravity.

If there is no line drawn for our culture, our nation and our lawmakers, then how do we make any activity illegal or abhorrent, a “crossing over the line”? We need to uphold a standard that establishes that line.  That standard must come from outside of our personal desires and emotions, otherwise it becomes what is right for me and too bad for you.

To add to the tragedy of our day, we have something called pornography.  At one time it was difficult to obtain, as one had to visit seedy places to purchase it.  Today, all we need to do is turn on our phone or computer and, voila, we have any form of destructive, degrading, demeaning and devaluing film that we desire to view.  The incidents of pornography use are decimating today, starting with children in grade school.  It is highly addictive.  It has destroyed individual lives and it has shattered whole families. 

By viewing pornography, you are feeding an industry of sex trafficking, disease and death.  You are destroying your mind, your soul and polluting your spirit.  It takes the sexual gift that God gave to us and perverts it for short-term gratification and lust-filled pleasure.  If you are viewing pornography, you are tearing down any sense of esteem and identity that God is desiring to build within you.  There is nothing redemptive within this sin-filled habit and I appeal to you to seek immediate help so you can leave the grips of this tormentor. 

The Apostle Paul, a man who at one time zealously persecuted Christians, had a dramatic encounter with the living God, and gave his life to Jesus, penned these words with Timothy, his spiritual son and co-laborer for Christ.  He encourages us to press on toward the goal for which Christ took hold of us, to forget what is behind and look ahead.  If at times we find ourselves in disagreement, God will make His truth clear to us if we sincerely desire to hear His voice.  As we posture ourselves with an open heart, set our minds not on our selfish desires or earthly things, He will transform our minds and our bodies so that we can be like Him.

That is our goal: to be like Him; to have His mind.  In all we think, in all we speak, and in all we do, our goal is to be like our Lord and Savior.  He gave His life so that we can walk in sexual freedom in obedience to Him. Let us live knowing that our bodies are temporary, our spirits are eternal, and that He has made a way for us to live with Him eternally. 

Questions for reflection:

Have you been able to identify any sexual brokenness from your history and how can Jesus bring freedom to you?

Feel free to order the new book here.

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Encouragement, Issues of the Day, Marriage, Men, Postmarital, Premarital, Women

Is There Hope for Marriage and What Is the Actual Divorce Rate?

We have been lied to. We have been told that marriage is archaic and a dying tradition. We are told that one half of all marriages end in divorce repeatedly and maybe even you have spoken those words yourself. It makes for a very pessimistic outlook to marriage doesn’t it?

Enter Shaunti Feldhahn and her book, The Good News about Marriage: Debunking Discouraging Myths about Marriage and Divorce. She says, “Divorce is not the biggest threat to marriage. Discouragement is.” 

In Feldhahn’s eight-year research she found that the divorce rate in America is nowhere near 50% and NEVER has been. And truthfully, she adds that the divorce rate has been on a steady decline since 1980. She writes, “In reality, 71% of women are still married to their first spouse…widowhood reduces the remaining 29%, bringing us to an approximate 25% divorce rate for first time marriages.”

*Further good news is that Feldhahn states that the rate of divorce is even less among Christians. From Barna’s comprehensive research in 2008 there was a “…27% decrease in the number of divorces among those who had been to church in the last seven days.” In a “…National Survey of Families and Households between the years 1987 and 1994 there was a 50% lesser occasion of divorce among those who share the same faith and attend church.” A Family Life Family Needs Survey taken among 50 churches found that only 22% of those ever married had been divorced. (*AFA Journal, January 2015)

What has increased? Cohabitation. There is a significant rise to the incidents of cohabitation in the last 20 years. This provokes and promotes a noncommittal attitude and an open back door to the relationship and when these persons do marry, their incidents of divorce are higher.

There is great hope for marriage. Most married couples are happy. If they are unhappy, but remain committed within five years most couples (eight in ten) find themselves to be very happy in their marriages. It turns out that when a couple is making the effort to remain married and work through their issues, it pays off. Discouragement comes when one spouse is unwilling to work or doesn’t realize the needs of the marriage.

Remarriage statistics, we have been told, have had even more dire divorce results. Once again, Feldhahn found that “…according to the Census Bureau, 65% of women in second marriages are still married to their second spouse. And because second and third marriages tend to occur later in life, the percentage of those marriages ended by death is expected to be higher than first marriages, resulting in a second marriage divorce rate of 30% or less.”

Put the once touted divorce statistics behind you and know there is great hope for marriage and its future. Marriage is a creation act of God and He stands by His word for men and women who either desire marriage or desire to remain faithful until “death do they part.”

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Challenge, Children, Encouragement, Issues of the Day, Men, Parents

Raising Your Children Without Faith

Ten years of my working career were spent as a social worker in the foster care field. Then, another fifteen years were given to marriage, family and individual counseling. After 25 years I felt as though I had heard and seen it all or perhaps too much. 

In foster care I saw the direct result of youth who had little to no faith training from their biological homes. Perhaps this was not on purpose or to drill secularism into their heads, but more so the lack of faith among parents. This lack of faith came with direct consequences to the child. 

In counseling I saw missing fathers or abandoning mothers, divorcing parents, single or single again parents and lost children. These children, with no faith to rely on, often enter into a world of self-blame, depression, emotional upheaval and/or self-destructive behaviors. 

When you choose to raise your children without faith you are making a choice to have your children ultimately trust themselves and the adults in their lives who have proven to be trustworthy. At one time or another, we are let down by those adults and we have to return to the single thought of self-trust. This creates a seedbed for selfishness, self-reliance and the possibility of continually letting oneself down when discovering that all of a child’s self-effort is simply not enough.

Without faith also means without a faith community – a local church. That community reinforces your values, provides relationships and amazing activities for children. It gives them a sense of belonging to a larger family that worships together and does life together.

Without faith also means without the word of God, the Bible. These words handed to us from God provide the ultimate spiritual training, reinforcement of sound values, love and a source of daily encouragement. The stories of Jonah and the big fish, the parables of Jesus, the wisdom found in Proverbs and the prophecy about the future are all more current than tomorrows newspaper.

When God and God’s Son are not a part of the picture, we are left with our best thoughts. But when training our children to love and trust God first in their lives, we are preparing them for eternity, we are bringing them hope for today and their future and we are encouraging them to look beyond their personal limits to a limitless God. When children are taught to love God first they will have a greater capacity to love others and to properly love themselves in a healthy way. (See Matthew 22:37-39.)

When a child is taught to act on faith rather than their best thoughts or intentions, they are acknowledging personal limits, a need to trust Someone bigger than themselves, that life with faith in God is a life with meaning beyond what parents and things/possessions can provide. For a child to learn to acknowledge faith, they are acknowledging a need beyond personal limits with a healthy expression of “…seeking first the kingdom of God.” (See Matthew 6:33.)

When a child learns to pray, “Our Father who art in heaven, hallowed be thy name…” they are learning that ultimately their physical, emotional, spiritual and financial needs are met by a loving heavenly Father first and foremost. They are learning the security of God’s loving boundaries. They are discovering faith in their Creator who has their best interest in mind. They are receiving an affirmation of their existence, a security, an identity and safety in the Protector who watches over them 24/7. 

Dads, you are a primary source of faith training to your children. How you live your life and how you share your faith will directly reflect upon how your son or daughter views their heavenly Father. When your children see you serving God, serving their family, serving them and serving others they will identify with a loving heavenly Father. The love and security, affirmation and acceptance from you directly translates into your child’s ability to discover those things from Abba God. And what a joy to hear your children’s prayers, to see their loving acts, to find security in a God they can trust and to watch them follow the God you yourself follow. 

Fathers, do not exasperate your children; instead bring them up in the training and instruction of the Lord. (Ephesians 6:4)

Happy Father’s Day to you!

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Challenge, Encouragement, Issues of the Day, Men

Our Remarkable Mothers

My amazing mother was a hardworking hair stylist and worked most Saturdays.* One Saturday, my Russian speaking Ukrainian grandfather was in charge of my care until she returned home from the beauty shop. He loved mushrooms and mistakenly decided to pick some orange ones that were growing beside an old tree stump in our front yard.

You might be able to surmise these were no ordinary mushrooms, nor were they suited for human consumption. They were toadstools, a toxic and highly poisonous mushroom. My grandfather cooked them. They turned green and we ate them. My young body became ill, violently ill. When my mother returned home and identified what “Pop” had cooked for lunch, she gave me warm milk to expel the poisonous contents from my tender stomach. Then she rushed us both off to the doctor.

The doctor told my mother that she saved our lives by creating a way to rid the two of us of the toxins. My trust in my mother increased hugely that day and my dependency on her increased as well. I felt secure with her presence or just knowing she was in the background somewhere. From this and multiple other incidents in my life, she became a safe place to me.

How about you? Was your mother a safe place for you? It’s time to honor her this week for Mother’s Day. “Her children arise and call her blessed…” (Proverbs 31:28)

(*Note: The above story was taken from my bookIdentity: The Distinctiveness of You.)

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Challenge, Marriage, Men, Women

Are You Living in the Past or the Present in Your Marriage?

Often the present is a window into our past, but it doesn’t have to dictate our future. We often develop what many call, “self-directed commands” from our histories. For example, “I need to make sure my family is protected” or, “I need to perform to be approved of.” These are innocent responses to how we interpreted our environment and they’re not always correct, but seem to remain with us until God deals with those areas. Obviously, as they are revealed, it’s good to work on them, discover the truth and find freedom from them.

Here’s the thing though: marriage can tend to bring out those self-directed commands and most times we’re not realizing it. We observe something our spouse is doing or not doing and it is accentuated in our head due to a historical connection. I am not saying our spouse is faultless, but all too often it’s not really our spouse, it’s us, i.e., our reaction connected to our history. That’s why it is often said you cannot change your spouse, only yourself. The reality is marriage teaches us to love and God uses it (as author Gary Thomas states) to not necessarily “make us happy,” but rather to make us more like Him. In short, one of the ways we express our love for God is how well we love our spouse in spite of their imperfections.

Marriage exposes our weaknesses and when our weaknesses are exposed the more difficult it may be to show respect. However, showing respect amidst difficulty is a sign of maturity. To dishonor and disrespect our life mate is a sign of immaturity. That is, immaturity defined as my needs are not being met and I am not happy. Truth is, in marriage we are no longer free to pursue whatever self-centered thing(s) we want. What we must strive for is what is best for our partner so that it builds “us” and not just me. When we run toward our struggles, we are strengthened. When we run away, we remain immature and weak especially when it comes to relationship.

Finally, when we hold back in marriage due to a present or historical incident, we are saying, “I will no longer relate to you on a deep level of intimacy.” When we move away from that deep level of intimacy and we stop sacrificing for one another, we are on the road to narcissism. And that is so well addressed in the verse that follows.


“…Being like-minded, having the same love, being one in spirit and purpose. Do nothing out of selfish ambition or vain conceit, but in humility consider others [your spouse] better than yourselves. Each of you should not only look to your own interests, but also to the interests of others [your spouse].”  (Philippians 2: 2-4)

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