When Spencer wrote from Texas in Ramsey show [1]He revealed a plan that sparked eyebrows. He built an emergency box and expenses of several months on its own, and it was not sure whether these eggs would completely participate with his fiancée.
Spencer’s idea was to divide money, put half in a common account and rebuild the rest. “This way, you will not feel that she is married to financial security and all the sacrifice and dedication she made before we get married,” he said.
But what he saw was fairness in a completely different way from Cohosts Dave Ramsey and George Camel. For them, it seemed to be a financial confidentiality – or what is worse, a test for his future wife.
“Let me help you, my son. This is not a broth “You will struggle quickly if you get the spine … the husband is a teammate, not a parent.”
This exchange sheds light on the serious but often hidden problem of financial secrecy or marital infidelity before marriage. Research shows that it is more common than many.
A survey of 2021 conducted by the National Endowment for Financial Education found that 43 % of those who collected funding in a relationship that were accepted in financial deception, such as hiding accounts, debts, or spending [2].
If the secrecy begins before “I do”, it is likely to stop after that. This is where the counseling comes before marriage-not only the type of relationship, but financial.
Research finds that only a minority of couples seeks to help before marriage-about 27 % in an academic sample and about 30 % in a recent survey-most couples to enter the marriage without official preparation [3].
Financial therapy is acquired, a mixture of financial planning and advice, attraction. Couples who practice sound financial management behaviors see high relationships, and studies indicate that financial treatment may help reduce the conflict of the relationship associated with money.
Even husbands, not in the crisis, can benefit. Treating the values of money proactively, the debt record and the patterns of spending before marriage can prevent resentment and lack of confidence later.
Read more: There is still 35 % chance of the recession that strikes the American economy this year – protecting these retirement savings with these ten basic funds as soon as possible
Research conducted by Kansas State University found that there are arguments about fund [4].
This makes the Spencer dilemma more than just numbers. His future marriage can harm if he is not eaten publicly.
The good news is, even if the financial confidentiality or resentment occurred, it is not too late to rebuild confidence. Financial therapy can help husbands to create common financial goals and values, and to build accountability systems and recover from previous financial betrayal.
The Financial Treatment Association says that customers usually seek to “reduce financial tension, improve communication with money or overcome emotional blocks”, and the practitioners help them work in long -term planning needs [5].
A study of the Financial Consumer Protection Office found that financial training created gains in money management, financial health standards such as savings assets, debt levels, dozens of credit, feelings of financial trust and financial welfare [6].
Marriage about teamwork, not to save the result. And when it comes to money, health partnerships are built on openness, honesty and confidence.
Therefore, whether you are dating, participating, or contracts in marriage, avoiding money conversations is not smart. Marital infidelity does not remain hidden forever, and start your partnership with secrecy is a recipe for long -term struggles.
As Cameel said, “I will not participate until you really feel comfortable in combining your entire life instead of hanging that as a kind of punishment and the thing that must be gained.”
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[1]. YouTube. “Make my wife build half of our emergency box?”
[2]. Neve. “2 out of 5 Americans admit financial betrayal against their partner.”
[3]. The American Psychological Association. “The barriers and facilitators of the relationships that seek to help with low -income couples”
[4]. Kanas State University. “The researcher finds the relationship between financial arguments and a decrease in relationship satisfaction”
[5]. Financial Therapist Association. “Look for a financial processor”
[6]. Consumer Financial Protection Office. Financial Training Initiative: results and lessons learned
This article only provides information and should not be explained as advice. It is provided without guarantee of any kind.
