Money $ Love and Marriage
Greetings from Doc Judie
On this series of finding out how couples can be happy, it is time to put the heart and flowers aside for a few minutes and talk about money. Besides sex, talking about money is a taboo subject. Most young couples start out with "what is mine is yours" most older couples who have married before usually have a different approach. There is not a right or wrong, this is not about pre-nubs vs sharing everything, but it is about communication and how both of you feel about money. What does it mean to you? Are you a spender or a saver? How does your view point about money affect you as a couple, do you discuss it? Don't keep money secrets from each other, remember the money belongs to both of you. Your life together is a business, and both of you are equal partners. Remember Gottman's words about "equal power" if it is not shared, 80% of marriages will blow! So share the pennies and build up the dollars together. Most reports on money are that couples earn much more than they ever would as a single person. The average for a single person is around $25,000 as a couple it jumps to over $100,000...this could be fantastic news if you are both rowing in the same direction. So if you are a "nerd" the saver, or the "free spirit" the spender, get it together. I have borrowed from Dave Ramsey, I don't always agree with his political savvy, but i love his spin on money as I am more of the free spirit type. I always feel that I have enough and should shower the rest on my kids, my grandchildren, and my friends. However, as I am getting past the mid-age mark, I don't ever want to be a burden to my family and I am becoming more of the the "nerd!" It is possible to change and look to the future, not just the immediate here and now. Check out Suzie Ormann, or Dave Ramsey or Larry Burkett for good advise. Here is an article on $$$$.

Larry Burkett, noted financial author, says, "Money is either the best or the worst area of communication in our marriages." After years as a financial counselor and working with marriage counselors, I know that money and money fights are a major cause of divorce, not to mention the thing we fight about the most.
So if you are married and have money fights, you are normal. But if this is a real problem area for you, there is also an opportunity to improve your relationship and maybe even reach agreement with your spouse. I'm not talking about agreement brought on by surrender, but rather by each person getting a vote, understanding the other's view and finding common ground.
Let's face it – if we can agree on the checkbook, there would be nothing left to fight about except who gets the remote!
Men and Women are Different
When it comes to money, men tend to take more risks and don't save for emergencies. Men use money as a scorecard and can struggle with self-esteem when there are financial problems.
Women tend to see money more as a security issue, so they will gravitate toward the rainy-day fund. Because of their need for security, ladies can have a level of fear—my wife, Sharon, calls it terror—when there are money problems. Men and women are different in how they view money, and it is largely because they process problems and opportunities from different vantage points.
On top of the fact that men and women are different, opposites attract. Chances are, if you're married, one of you is good at working numbers (the nerd) and the other one isn't good at working numbers (the free spirit). That isn't the real problem. The problem is when the nerd neglects the input of the free spirit or when the free spirit avoids participating in the financial dealings altogether.
Marriage is a Partnership
Marriage is a partnership. The preacher said, "And now you are one." Both parties need to be involved in the finances. Separating the money and splitting the bills is a bad idea.
Listen up, nerds. Don't keep the money all to yourself. Don't use your "power" to abuse the free spirit. Free spirits, don't just nod your head and say, "Yeah, that looks great, honey." You have a vote in the budget committee meetings, too. Give feedback, criticism and encouragement. Work on the budget together!
"But what if my spouse won't get on board with me?" many of you wonder. It is tough, but with patience and kindness, your spouse will eventually see the light (don't beat them over the head with the need for a budget, and please don't subject your spouse to a lecture of "Dave says...").
As you work on your money together, you will begin to change your family tree. One of your main goals in your marriage should be to pass a legacy down to your children and grandchildren.
Hypnosis and solving money problems:
Relax and take a deep breathe, together we think of our lives together and how money is a wonderful power. It buys us a roof over our heads, it allows us to have food, gas for our cars, and takes care of our children, our aging parents (thats for me) and anything that is important to us. We can't have it all right now, but together we can plan and make our money grow together. Before we start our budget, lets get our ideas together and see how each of us feels about how we should spend our income. We are a team, and if either of us is not working, we will figure out together how to get enough income flowing our way, money is just "an idea" it is energy out there and we can attract it or repel it. If we constantly say "we don't have enough, we are broke, we are poor, it will stay that way. If we pull together and brain storm, we will attract new opportunities, new careers, new ways of obtaining money and it will flow in our direction. Take a moment and separately see how money can make your life a little more enjoyable and how you can attract it to your life. It may take some time, but if you keep working on a financial dream and put in the work to obtain it, it will happen. Just drive down a crowded highway with the traffic backed up for miles. All those thousands of drivers figured it out They have nice cars, money for gas and they are going some place. You are just as creative and smart, bring it to you. Now bring your dreams together, regardless of your expenses, needs, and fantasies about money, talk about them before you come up with a plan. Make sure you don't end up with a budget that forces either of you to become a martyr. This will only bring up resentment. You are partners, this is your company together, both take responsibility and negotiate from a loving heart. Be firm about items that you consider non negotiable, and items that you can compromise on.
End with a deep cleansing breathe, how wonderful to be doing this together, knowing that your changes of success are so much better together, work as a team and be positive about your money dialog together.
Here is to $$$ and power you have as a couple
Doc Judie
judie @docjudie.com
775 782-3889
