But perhaps we're looking at that all wrong. Rachel Cruze, a financial expert and daughter of finance pro Dave Ramsey, actually has a different take on it. What if money isn't really the issue? What if it's your marriage itself?
@rachelcruze
Most “money problems” aren’t really about money. They’re about communication, trust, and whether you’re actually working as a team. #relationships #marriage #relationshipadvice
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"Correct. I play mediator and counselor to married couples way more than actual financial planner to more clients than I ever thought I would," wrote one follower who is a certified financial planner.
How to Keep Communication Open Around Money
Ramsey Solutions offers a few tips for keeping the conversation positive and open about marriage and money.
Combine Your Finances: Ramsey recommends keeping a joint bank account. This way, you can avoid the "his and her money" trap, which can lead to division.Align Your Lifestyles: Discuss your spending habits and priorities openly and early. Ensure your lifestyle matches your actual income rather than an aspirational, flashy ideal.Respect Personality Differences: Acknowledge if one partner is a "nerd" (loves numbers) and the other is a "free spirit" (carefree). Both must have equal voting rights in budget meetings to prevent the nerd from bossing or the free spirit from checking out.Eliminate Salary Leverage: Don't let a higher paycheck equate to more power. Regardless of who earns more—including stay-at-home parents—both partners are on the same team.Practice Total Transparency: Avoid "financial infidelity" by keeping all accounts, debts, and purchases out in the open. This way, you can hold each other accountable for your goals. Manage Expectations Together: Focus on getting your money in order first so that shared dreams can eventually become a reality, and make sure you're on the same page about how to obtain those goals. Don't Let Kids Dictate Spending: Be a united front when children ask for "wants." Budget for their needs together and consider using chores or commissions to teach them the value of work and patience.Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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