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What Do We Do When One Saves, and One Spends in Our Marriage? · Becoming Financially Confident

• 0:37
  In
• 0:37
  almost
• 0:38
  every
• 0:38
  marriage,
• 0:39
  there's
• 0:39
  a
• 0:39
  saver
• 0:40
  and
• 0:40
  a
• 0:40
  spender.
• 0:41
  It's
• 0:41
  sort
• 0:42
  of
• 0:42
  a
• 0:42
  natural
• 0:42
  balance.
• 0:44
  But
• 0:44
  when
• 0:44
  it
• 0:44
  turns
• 0:44
  into
• 0:45
  a
• 0:45
  villain
• 0:45
  versus
• 0:46
  victim
• 0:46
  dynamic,
• 0:47
  your
• 0:47
  bank
• 0:48
  account
• 0:48
  is
• 0:48
  not
• 0:48
  the
• 0:49
  only
• 0:49
  thing
• 0:49
  that
• 0:49
  suffers.
• 0:50
  Your
• 0:51
  relationship
• 0:51
  does
• 0:52
  too.
• 0:53
  So
• 0:53
  today
• 0:53
  we're
• 0:54
  moving
• 0:54
  past
• 0:54
  the
• 0:54
  nagging
• 0:55
  and
• 0:55
  the
• 0:55
  guilt
• 0:55
  to
• 0:56
  find
• 0:56
  rhythm
• 0:56
  that
• 0:56
  honors
• 0:57
  both
• 0:57
  security
• 0:58
  and
• 0:58
  enjoy.
• 1:20
  Hello
• 1:21
  friend,
• 1:21
  Ralph
• 1:22
  Estep
• 1:22
  Jr.
• 1:22
  Here.
• 1:23
  This
• 1:23
  is
• 1:24
  financially
• 1:24
  confident
• 1:25
  Christian
• 1:26
  where
• 1:26
  my
• 1:26
  goal
• 1:26
  every
• 1:27
  day
• 1:27
  is
• 1:27
  to
• 1:27
  help
• 1:27
  you
• 1:27
  break
• 1:28
  that
• 1:28
  cycle
• 1:28
  of
• 1:29
  financial
• 1:29
  shame
• 1:30
  and
• 1:30
  find
• 1:31
  confidence
• 1:31
  in
• 1:32
  your
• 1:32
  decisions.
• 1:33
  Today's
• 1:34
  topic
• 1:34
  hits
• 1:34
  close
• 1:34
  to
• 1:35
  home
• 1:35
  for
• 1:35
  all
• 1:35
  of
• 1:35
  us
• 1:35
  who
• 1:36
  are
• 1:36
  married.
• 1:37
  And
• 1:37
  that's
• 1:37
  how
• 1:37
  to
• 1:37
  stop
• 1:38
  that
• 1:38
  saver
• 1:38
  versus
• 1:39
  spender
• 1:39
  war
• 1:40
  in
• 1:40
  your
• 1:40
  marriage.
• 1:41
  Wars
• 1:41
  are
• 1:41
  hard
• 1:41
  word
• 1:42
  to
• 1:42
  use,
• 1:42
  but
• 1:43
  I've
• 1:43
  seen
• 1:43
  some
• 1:44
  marriages
• 1:44
  that
• 1:44
  are
• 1:44
  wars
• 1:45
  like
• 1:45
  that.
• 1:46
  Let's
• 1:46
  get
• 1:46
  into
• 1:46
  today's
• 1:47
  question.
• 1:48
  Listener
• 1:48
  writes
• 1:49
  this
• 1:50
  Ralph,
• 1:51
  one
• 1:51
  of
• 1:51
  us
• 1:51
  wants
• 1:52
  to
• 1:52
  save
• 1:53
  and
• 1:53
  one
• 1:53
  of
• 1:53
  us
• 1:53
  wants
• 1:54
  to
• 1:54
  spend.
• 1:54
  And
• 1:54
  I'm
• 1:55
  so
• 1:55
  tired
• 1:55
  of
• 1:55
  being
• 1:55
  cast
• 1:56
  as
• 1:56
  the
• 1:56
  bad
• 1:56
  guy.
• 1:57
  Every
• 1:57
  time
• 1:58
  I
• 1:58
  try
• 1:58
  to
• 1:59
  talk
• 1:59
  about
• 1:59
  the
• 1:59
  future,
• 2:00
  I
• 2:01
  feel
• 2:01
  like
• 2:01
  the
• 2:01
  villain
• 2:01
  for
• 2:01
  wanting
• 2:02
  financial
• 2:02
  security.
• 2:04
  How
• 2:04
  do
• 2:04
  we
• 2:04
  create
• 2:04
  a
• 2:05
  plan
• 2:05
  that
• 2:05
  respects
• 2:05
  both
• 2:06
  of
• 2:06
  our
• 2:06
  needs
• 2:07
  without
• 2:07
  me
• 2:08
  feeling
• 2:08
  like
• 2:08
  I'm
• 2:08
  always
• 2:09
  the
• 2:09
  one
• 2:09
  nagging
• 2:09
  and
• 2:09
  ruining
• 2:10
  the
• 2:10
  fun?
• 2:11
  I
• 2:12
  want
• 2:12
  us
• 2:12
  to
• 2:12
  protect
• 2:12
  our
• 2:13
  future,
• 2:14
  but
• 2:14
  I'm
• 2:14
  exhausted
• 2:15
  from
• 2:15
  this
• 2:15
  dynamic.
• 2:18
  It's
• 2:18
  interesting
• 2:19
  as
• 2:19
  I've
• 2:19
  been
• 2:19
  working
• 2:20
  with
• 2:20
  couples
• 2:20
  for
• 2:20
  now
• 2:21
  over
• 2:21
  30
• 2:21
  years.
• 2:22
  This
• 2:22
  is
• 2:23
  such
• 2:23
  a
• 2:23
  very
• 2:23
  common
• 2:24
  dynamic.
• 2:25
  It's
• 2:25
  common
• 2:25
  in
• 2:25
  my
• 2:25
  marriage.
• 2:26
  I
• 2:26
  am
• 2:26
  definitely
• 2:26
  the
• 2:27
  spender,
• 2:27
  my
• 2:27
  wife
• 2:27
  is
• 2:28
  the
• 2:28
  saver.
• 2:29
  And
• 2:29
  it's
• 2:29
  been
• 2:29
  some
• 2:29
  battles
• 2:30
  over
• 2:30
  the
• 2:30
  years.
• 2:31
  And
• 2:32
  see,
• 2:32
  the
• 2:32
  thing
• 2:32
  we
• 2:32
  need
• 2:32
  to
• 2:33
  recognize
• 2:33
  is
• 2:33
  a
• 2:33
  healthy
• 2:34
  marriage
• 2:35
  needs
• 2:35
  the
• 2:36
  savers
• 2:36
  wisdom
• 2:37
  to
• 2:37
  protect
• 2:37
  the
• 2:37
  future
• 2:38
  and
• 2:38
  the
• 2:38
  spender's
• 2:39
  permission
• 2:39
  to
• 2:40
  enjoy
• 2:40
  the
• 2:40
  present.
• 2:42
  But
• 2:42
  now
• 2:42
  you're
• 2:42
  saying,
• 2:42
  Ralph,
• 2:43
  how
• 2:43
  do
• 2:43
  we
• 2:43
  do
• 2:43
  that?
• 2:45
  I
• 2:45
  got
• 2:45
  some
• 2:45
  ideas
• 2:46
  today.
• 2:46
  Let's
• 2:46
  jump
• 2:46
  right
• 2:46
  to
• 2:47
  those.
• 2:48
  The
• 2:48
  first
• 2:48
  thing
• 2:48
  is
• 2:48
  this.
• 2:49
  Validate
• 2:50
  the
• 2:50
  why
• 2:51
  behind
• 2:51
  the
• 2:51
  behavior.
• 2:53
  Most
• 2:53
  of
• 2:53
  the
• 2:54
  time,
• 2:55
  savers
• 2:55
  seek
• 2:56
  security
• 2:56
  and
• 2:56
  peace
• 2:57
  of
• 2:57
  mind.
• 2:58
  That's
• 2:58
  what
• 2:59
  their
• 2:59
  goal
• 2:59
  is.
• 3:00
  Maybe
• 3:00
  they
• 3:01
  came
• 3:01
  from
• 3:01
  a
• 3:01
  place
• 3:01
  that
• 3:01
  wasn't
• 3:02
  secure.
• 3:02
  They
• 3:03
  were
• 3:03
  always
• 3:03
  worried
• 3:03
  about
• 3:04
  what
• 3:04
  was
• 3:04
  going
• 3:04
  on.
• 3:04
  See,
• 3:05
  that's
• 3:05
  the
• 3:05
  thing
• 3:05
  we
• 3:05
  all
• 3:05
  bring
• 3:06
  with
• 3:06
  us.
• 3:06
  What
• 3:07
  we've
• 3:07
  learned
• 3:07
  as
• 3:07
  a
• 3:08
  child,
• 3:08
  what
• 3:08
  we've
• 3:08
  learned
• 3:08
  as
• 3:08
  a
• 3:09
  young
• 3:09
  adult,
• 3:09
  maybe
• 3:09
  even
• 3:09
  our
• 3:10
  first
• 3:10
  relationships.
• 3:12
  Now
• 3:12
  the
• 3:12
  spender.
• 3:13
  This
• 3:13
  is
• 3:13
  where
• 3:13
  the
• 3:13
  battle
• 3:14
  starts.
• 3:15
  A
• 3:15
  lot
• 3:15
  of
• 3:15
  spenders
• 3:16
  seek
• 3:16
  connection
• 3:16
  or
• 3:16
  joy
• 3:17
  through
• 3:17
  experiences.
• 3:18
  For
• 3:18
  example,
• 3:19
  I
• 3:19
  love
• 3:19
  to
• 3:19
  eat
• 3:19
  out.
• 3:20
  I
• 3:20
  could
• 3:21
  eat
• 3:21
  dinner
• 3:21
  out
• 3:21
  every
• 3:22
  single
• 3:22
  night.
• 3:23
  But
• 3:24
  it
• 3:24
  costs
• 3:24
  money
• 3:24
  to
• 3:24
  do
• 3:25
  that.
• 3:25
  It's
• 3:25
  expensive
• 3:25
  to
• 3:26
  do
• 3:26
  that.
• 3:27
  And
• 3:27
  my
• 3:27
  wife
• 3:27
  is
• 3:27
  like,
• 3:27
  wait
• 3:28
  a
• 3:28
  minute
• 3:28
  Ralph,
• 3:28
  we
• 3:28
  just
• 3:29
  ate
• 3:29
  out
• 3:29
  last
• 3:29
  night.
• 3:29
  So
• 3:29
  we
• 3:30
  came
• 3:30
  up
• 3:30
  with
• 3:30
  a
• 3:30
  resolution.
• 3:31
  We
• 3:31
  said,
• 3:31
  here's
• 3:31
  what
• 3:31
  we're
• 3:31
  going
• 3:31
  to
• 3:32
  do.
• 3:32
  We
• 3:32
  pick
• 3:32
  certain
• 3:32
  nights
• 3:33
  a
• 3:33
  week.
• 3:33
  That's
• 3:33
  what
• 3:33
  we
• 3:33
  do.
• 3:35
  I'm
• 3:35
  not
• 3:35
  saying
• 3:36
  that
• 3:36
  either
• 3:36
  motivation
• 3:37
  is
• 3:37
  sinful,
• 3:38
  but
• 3:39
  we've
• 3:39
  got
• 3:39
  to
• 3:39
  start
• 3:40
  understanding
• 3:41
  the
• 3:41
  emotional
• 3:41
  needs
• 3:42
  of
• 3:42
  each
• 3:42
  other
• 3:43
  and
• 3:43
  not
• 3:44
  see
• 3:44
  these
• 3:44
  as
• 3:44
  character
• 3:45
  flaws.
• 3:46
  Which
• 3:46
  means
• 3:47
  you've
• 3:47
  got
• 3:47
  to
• 3:47
  retire
• 3:48
  the
• 3:48
  bad
• 3:48
  guy
• 3:48
  badge.
• 3:50
  There
• 3:50
  is
• 3:50
  no
• 3:50
  bad
• 3:51
  guy.
• 3:52
  Stop
• 3:52
  using
• 3:53
  labels
• 3:53
  like
• 3:53
  cheap
• 3:54
  or
• 3:54
  frivolous.
• 3:55
  I
• 3:55
  hear
• 3:55
  those
• 3:55
  in
• 3:56
  when
• 3:56
  I
• 3:56
  have
• 3:56
  couples
• 3:56
  come
• 3:57
  in.
• 3:57
  And
• 3:57
  yeah,
• 3:57
  I
• 3:57
  do
• 3:57
  a
• 3:57
  lot
• 3:58
  of
• 3:58
  couples
• 3:58
  counseling,
• 3:59
  believe
• 3:59
  it
• 3:59
  or
• 3:59
  not,
• 3:59
  as
• 3:59
  an
• 3:59
  accountant.
• 4:01
  But
• 4:01
  replace
• 4:01
  that
• 4:02
  criticism
• 4:02
  with
• 4:02
  curiosity.
• 4:04
  Maybe
• 4:05
  ask
• 4:05
  your
• 4:05
  spouse
• 4:05
  this.
• 4:06
  What
• 4:06
  does
• 4:07
  having
• 4:07
  this
• 4:07
  money
• 4:07
  in
• 4:07
  the
• 4:08
  bank
• 4:08
  make
• 4:08
  you
• 4:08
  feel?
• 4:09
  How
• 4:09
  does
• 4:09
  it
• 4:09
  make
• 4:09
  you
• 4:10
  feel?
• 4:10
  And
• 4:10
  what
• 4:11
  does
• 4:11
  this
• 4:11
  purchase
• 4:11
  represent
• 4:12
  to
• 4:12
  you?
• 4:14
  Get
• 4:14
  rid
• 4:14
  of
• 4:14
  the
• 4:14
  labels.
• 4:15
  Nobody's
• 4:16
  the
• 4:16
  bad
• 4:16
  guy.
• 4:17
  Just
• 4:17
  get
• 4:18
  move
• 4:18
  past
• 4:18
  that.
• 4:20
  Here's
• 4:20
  a
• 4:20
  great
• 4:21
  way
• 4:21
  to
• 4:21
  do
• 4:21
  that.
• 4:21
  You
• 4:21
  can
• 4:22
  implement
• 4:22
  a
• 4:22
  no
• 4:22
  question
• 4:23
  fund
• 4:23
  money.
• 4:25
  I
• 4:25
  see
• 4:25
  this
• 4:25
  work
• 4:26
  in
• 4:26
  relationships
• 4:26
  and
• 4:26
  it
• 4:27
  works
• 4:27
  great.
• 4:27
  Create
• 4:28
  two
• 4:28
  line
• 4:28
  items
• 4:29
  in
• 4:29
  your
• 4:29
  budget,
• 4:29
  one
• 4:30
  for
• 4:30
  each
• 4:30
  spouse
• 4:32
  and
• 4:32
  that
• 4:32
  money
• 4:32
  can
• 4:32
  be
• 4:33
  spent
• 4:33
  wherever
• 4:34
  they
• 4:34
  want
• 4:34
  to
• 4:34
  spend
• 4:34
  it.
• 4:34
  They
• 4:35
  can
• 4:35
  save
• 4:35
  it,
• 4:36
  they
• 4:36
  can
• 4:36
  go
• 4:36
  have
• 4:36
  an
• 4:36
  experience
• 4:37
  with
• 4:37
  it
• 4:38
  doesn't
• 4:38
  matter,
• 4:39
  no
• 4:39
  explanations
• 4:40
  required.
• 4:41
  And
• 4:42
  when
• 4:42
  you
• 4:42
  do
• 4:42
  that,
• 4:43
  so
• 4:43
  many
• 4:43
  couples
• 4:43
  have
• 4:44
  told
• 4:44
  me
• 4:44
  to
• 4:44
  say
• 4:44
  rob,
• 4:45
  it
• 4:45
  eliminates
• 4:46
  the
• 4:46
  nagging
• 4:46
  for
• 4:46
  those
• 4:47
  small
• 4:47
  purchases.
• 4:47
  Now
• 4:48
  remember,
• 4:49
  it's
• 4:49
  got
• 4:49
  to
• 4:49
  be
• 4:49
  equal,
• 4:50
  it's
• 4:50
  got
• 4:50
  to
• 4:51
  be
• 4:51
  fair.
• 4:52
  And
• 4:52
  you
• 4:52
  both
• 4:52
  have
• 4:53
  to
• 4:53
  agree
• 4:53
  to
• 4:53
  the
• 4:53
  number
• 4:54
  ahead
• 4:54
  of
• 4:54
  time.
• 4:55
  Which
• 4:56
  leads
• 4:56
  me
• 4:56
  to
• 4:56
  this.
• 4:57
  Create
• 4:57
  some
• 4:58
  shared
• 4:58
  financial
• 4:59
  guardrails.
• 5:01
  If
• 5:01
  you
• 5:01
  are
• 5:01
  the
• 5:02
  saver,
• 5:02
  you
• 5:03
  need
• 5:03
  guardrails
• 5:03
  here.
• 5:05
  Agree
• 5:05
  on
• 5:05
  a
• 5:05
  specific
• 5:06
  savings
• 5:06
  goal,
• 5:06
  maybe
• 5:07
  like
• 5:07
  a
• 5:07
  three
• 5:07
  month
• 5:08
  emergency
• 5:08
  fund,
• 5:09
  but
• 5:10
  once
• 5:10
  that
• 5:10
  goal
• 5:10
  is
• 5:10
  met,
• 5:10
  agree
• 5:11
  on
• 5:11
  a
• 5:11
  reward
• 5:11
  purchase.
• 5:12
  Because
• 5:12
  we
• 5:12
  got
• 5:12
  to
• 5:12
  balance
• 5:13
  these
• 5:13
  things.
• 5:15
  Because
• 5:15
  when
• 5:15
  you
• 5:15
  do
• 5:15
  that,
• 5:16
  it
• 5:16
  gives
• 5:16
  the
• 5:16
  saver
• 5:17
  security
• 5:17
  and
• 5:17
  the
• 5:18
  spender
• 5:18
  something
• 5:18
  to
• 5:18
  look
• 5:19
  forward
• 5:19
  to.
• 5:20
  Because
• 5:20
  as
• 5:20
  I
• 5:21
  said,
• 5:21
  neither
• 5:22
  of
• 5:22
  you
• 5:22
  is
• 5:22
  right
• 5:22
  and
• 5:22
  neither
• 5:23
  of
• 5:23
  you
• 5:23
  is
• 5:23
  wrong.
• 5:24
  But
• 5:24
  you've
• 5:25
  got
• 5:25
  to
• 5:25
  make
• 5:25
  this
• 5:25
  a
• 5:26
  win
• 5:26
  win
• 5:26
  situation.
• 5:28
  One
• 5:28
  of
• 5:28
  the
• 5:28
  ways
• 5:28
  you
• 5:28
  can
• 5:29
  have
• 5:29
  those
• 5:29
  wins
• 5:29
  is
• 5:30
  to
• 5:30
  build
• 5:30
  a
• 5:30
  24
• 5:31
  hour
• 5:31
  rule.
• 5:31
  For
• 5:31
  any
• 5:32
  big
• 5:32
  purchase.
• 5:34
  Going
• 5:34
  to
• 5:34
  take
• 5:34
  a
• 5:34
  little
• 5:34
  planning,
• 5:35
  going
• 5:35
  to
• 5:35
  take
• 5:35
  a
• 5:35
  little
• 5:35
  discussing,
• 5:36
  but
• 5:37
  for
• 5:37
  any
• 5:37
  spending
• 5:38
  over
• 5:38
  a
• 5:38
  certain
• 5:38
  dollar
• 5:39
  amount,
• 5:39
  and
• 5:39
  I'm
• 5:39
  not
• 5:39
  going
• 5:39
  to
• 5:40
  tell
• 5:40
  you
• 5:40
  what
• 5:40
  that
• 5:40
  is
• 5:40
  for
• 5:40
  you,
• 5:41
  you've
• 5:41
  got
• 5:41
  to
• 5:41
  figure
• 5:41
  that
• 5:42
  out
• 5:42
  with
• 5:42
  your
• 5:42
  partner.
• 5:43
  But
• 5:43
  anytime
• 5:44
  it
• 5:44
  goes
• 5:44
  over
• 5:44
  that
• 5:45
  amount,
• 5:45
  you
• 5:45
  agree.
• 5:46
  We're
• 5:46
  going
• 5:46
  to
• 5:46
  wait
• 5:46
  24
• 5:47
  hours
• 5:47
  and
• 5:48
  we're
• 5:48
  going
• 5:48
  to
• 5:48
  pray
• 5:48
  about
• 5:48
  it
• 5:49
  together.
• 5:50
  Because
• 5:50
  what
• 5:51
  that
• 5:51
  does
• 5:51
  is
• 5:51
  it
• 5:51
  slows
• 5:52
  down
• 5:52
  the
• 5:52
  spender's
• 5:52
  impulse
• 5:53
  and
• 5:54
  gives
• 5:54
  the
• 5:54
  saver
• 5:55
  time
• 5:55
  to
• 5:55
  process
• 5:55
  the
• 5:56
  impact.
• 5:57
  You
• 5:57
  Might
• 5:57
  have
• 5:57
  to
• 5:58
  have
• 5:58
  some
• 5:58
  discussions.
• 6:00
  It's
• 6:00
  not
• 6:00
  the
• 6:00
  time
• 6:00
  to
• 6:00
  go
• 6:00
  to
• 6:01
  the
• 6:01
  car
• 6:01
  dealership
• 6:01
  and
• 6:01
  say,
• 6:02
  we
• 6:02
  got
• 6:02
  to
• 6:02
  get
• 6:02
  a
• 6:02
  new
• 6:02
  car.
• 6:03
  It's
• 6:03
  Saturday
• 6:03
  morning.
• 6:03
  Let's
• 6:04
  go
• 6:04
  buy
• 6:04
  a
• 6:04
  new
• 6:04
  car.
• 6:05
  I've
• 6:05
  done
• 6:06
  that
• 6:06
  a
• 6:06
  few
• 6:06
  times.
• 6:07
  Doesn't
• 6:07
  work
• 6:07
  out
• 6:08
  well.
• 6:09
  But
• 6:09
  here's
• 6:09
  the
• 6:09
  thing
• 6:09
  you
• 6:10
  need
• 6:10
  to
• 6:10
  understand.
• 6:11
  You're
• 6:12
  not
• 6:12
  opposite.
• 6:12
  So
• 6:13
  many
• 6:13
  people
• 6:13
  say,
• 6:13
  well,
• 6:13
  opposites
• 6:14
  attract.
• 6:14
  That
• 6:15
  may
• 6:15
  be
• 6:15
  true,
• 6:16
  but
• 6:16
  if
• 6:16
  you
• 6:17
  change
• 6:17
  the
• 6:17
  mindset
• 6:18
  and
• 6:18
  look
• 6:18
  at
• 6:18
  yourself
• 6:18
  as
• 6:19
  a
• 6:19
  balanced
• 6:19
  team,
• 6:21
  you're
• 6:21
  going
• 6:21
  to
• 6:21
  cover
• 6:22
  each
• 6:22
  other's
• 6:22
  blind
• 6:23
  spots.
• 6:24
  So
• 6:25
  here's
• 6:25
  your
• 6:25
  single
• 6:25
  win
• 6:26
  for
• 6:26
  today,
• 6:27
  and
• 6:27
  I
• 6:27
  give
• 6:27
  you
• 6:27
  a
• 6:27
  question
• 6:28
  to
• 6:28
  ask
• 6:28
  your
• 6:28
  spouse
• 6:29
  this
• 6:29
  very
• 6:30
  night.
• 6:31
  Ask
• 6:31
  your
• 6:31
  spouse
• 6:32
  this
• 6:32
  how
• 6:32
  can
• 6:33
  I
• 6:33
  help
• 6:33
  you
• 6:33
  feel
• 6:33
  more
• 6:33
  secure
• 6:34
  or
• 6:34
  joyful
• 6:35
  with
• 6:35
  our
• 6:35
  money
• 6:35
  this
• 6:36
  month
• 6:36
  without
• 6:36
  making
• 6:37
  you
• 6:37
  feel
• 6:37
  judged?
• 6:39
  Here's
• 6:39
  the
• 6:39
  key
• 6:39
  to
• 6:40
  the
• 6:40
  whole
• 6:40
  thing,
• 6:40
  though.
• 6:41
  Listen
• 6:42
  more
• 6:42
  than
• 6:42
  you
• 6:42
  talk.
• 6:44
  Just
• 6:44
  lay
• 6:44
  it
• 6:44
  out
• 6:44
  there
• 6:45
  and
• 6:45
  see
• 6:45
  what
• 6:45
  comes
• 6:45
  back
• 6:45
  to
• 6:46
  you.
• 6:46
  Remember,
• 6:46
  no
• 6:46
  badges,
• 6:47
  no
• 6:48
  judgment.
• 6:48
  Just
• 6:49
  what
• 6:49
  makes
• 6:49
  you
• 6:49
  feel
• 6:50
  secure
• 6:50
  or
• 6:50
  joyful
• 6:51
  with
• 6:51
  money
• 6:51
  this
• 6:52
  month
• 6:53
  without
• 6:53
  making
• 6:53
  you
• 6:53
  feel
• 6:53
  judged.
• 6:54
  I
• 6:55
  think
• 6:55
  you're
• 6:55
  going
• 6:55
  to
• 6:55
  be
• 6:55
  surprised
• 6:56
  at
• 6:56
  what
• 6:56
  your
• 6:56
  partner
• 6:56
  tells
• 6:57
  you.
• 6:58
  Well,
• 6:58
  let's
• 6:58
  get
• 6:58
  right
• 6:58
  to
• 6:59
  today's
• 6:59
  Bible
• 6:59
  verse
• 7:00
  comes
• 7:01
  to
• 7:01
  us
• 7:01
  from
• 7:01
  First
• 7:01
  Corinthians,
• 7:02
  chapter
• 7:02
  13,
• 7:03
  verses
• 7:04
  4
• 7:04
  and
• 7:04
  7.
• 7:05
  And
• 7:05
  I
• 7:05
  bet
• 7:05
  you
• 7:05
  know
• 7:06
  this
• 7:06
  one.
• 7:06
  You
• 7:07
  hear
• 7:07
  this
• 7:07
  at
• 7:07
  weddings
• 7:08
  a
• 7:08
  lot.
• 7:09
  Love
• 7:09
  is
• 7:09
  patient.
• 7:10
  Love
• 7:11
  is
• 7:11
  kind.
• 7:12
  It
• 7:12
  does
• 7:13
  not
• 7:13
  envy.
• 7:14
  It
• 7:14
  does
• 7:14
  not
• 7:15
  boast.
• 7:15
  It
• 7:15
  is
• 7:15
  not
• 7:16
  proud.
• 7:17
  It
• 7:17
  does
• 7:18
  not
• 7:18
  dishonor
• 7:18
  others.
• 7:20
  It's
• 7:20
  not
• 7:20
  self
• 7:20
  seeking.
• 7:22
  It
• 7:22
  is
• 7:22
  not
• 7:23
  easily
• 7:23
  angered.
• 7:24
  It
• 7:25
  keeps
• 7:25
  no
• 7:25
  record
• 7:25
  of
• 7:26
  wrongs.
• 7:27
  Love
• 7:27
  does
• 7:28
  not
• 7:28
  delight
• 7:28
  in
• 7:28
  evil,
• 7:29
  but
• 7:29
  rejoices
• 7:29
  with
• 7:29
  the
• 7:30
  truth.
• 7:31
  It
• 7:31
  always
• 7:32
  protects,
• 7:33
  always
• 7:34
  trusts,
• 7:35
  always
• 7:35
  hopes,
• 7:37
  always
• 7:37
  perseveres.
• 7:40
  See,
• 7:40
  when
• 7:40
  you
• 7:41
  can
• 7:41
  apply
• 7:41
  that
• 7:41
  love
• 7:42
  chapter
• 7:42
  to
• 7:42
  your
• 7:42
  budget,
• 7:44
  you
• 7:44
  realize
• 7:44
  that
• 7:45
  protecting
• 7:45
  our
• 7:45
  spouse's
• 7:46
  heart
• 7:46
  is
• 7:46
  more
• 7:46
  important
• 7:47
  than
• 7:47
  winning
• 7:47
  a
• 7:47
  financial
• 7:48
  argument.
• 7:48
  That's
• 7:49
  really
• 7:49
  the
• 7:49
  big
• 7:49
  takeaway
• 7:49
  for
• 7:50
  today.
• 7:51
  Protect
• 7:52
  your
• 7:52
  partner's
• 7:53
  heart.
• 7:54
  That's
• 7:55
  really
• 7:55
  the
• 7:55
  answer
• 7:55
  today.
• 7:56
  How
• 7:56
  about
• 7:56
  we
• 7:57
  pray
• 7:57
  together?
• 7:58
  Lord
• 7:59
  God,
• 8:00
  I
• 8:00
  pray
• 8:00
  for
• 8:00
  the
• 8:00
  couple
• 8:01
  struggling
• 8:01
  with
• 8:01
  this
• 8:02
  constant
• 8:02
  tug
• 8:02
  of
• 8:02
  war.
• 8:04
  Lord,
• 8:04
  replace
• 8:05
  the
• 8:05
  spirit
• 8:05
  of
• 8:05
  frustration
• 8:06
  with
• 8:06
  a
• 8:06
  spirit
• 8:07
  of
• 8:07
  kindness
• 8:07
  towards
• 8:07
  each
• 8:08
  other.
• 8:09
  Help
• 8:09
  that
• 8:09
  Savior
• 8:10
  to
• 8:10
  find
• 8:10
  their
• 8:10
  ultimate
• 8:11
  security
• 8:11
  in
• 8:11
  you,
• 8:12
  Lord.
• 8:12
  Not
• 8:12
  in
• 8:12
  the
• 8:12
  bank
• 8:13
  account,
• 8:13
  not
• 8:13
  in
• 8:13
  the
• 8:14
  savings
• 8:14
  account.
• 8:15
  And
• 8:15
  at
• 8:15
  the
• 8:16
  same
• 8:16
  time,
• 8:16
  Lord,
• 8:16
  help.
• 8:17
  Help
• 8:17
  the
• 8:17
  spender
• 8:17
  to
• 8:17
  find
• 8:18
  their
• 8:18
  ultimate
• 8:18
  joy
• 8:18
  in
• 8:19
  your
• 8:19
  presence
• 8:19
  in
• 8:19
  their
• 8:20
  lives,
• 8:21
  Lord.
• 8:22
  Give
• 8:22
  them
• 8:22
  the
• 8:22
  words
• 8:22
  to
• 8:22
  speak
• 8:23
  life
• 8:23
  into
• 8:23
  one
• 8:23
  another
• 8:24
  instead
• 8:24
  of
• 8:24
  criticism
• 8:25
  and
• 8:25
  badging
• 8:26
  and
• 8:26
  and
• 8:27
  judging.
• 8:28
  And
• 8:29
  Lord,
• 8:29
  make
• 8:29
  their
• 8:29
  bank
• 8:29
  account
• 8:30
  be
• 8:30
  a
• 8:30
  tool
• 8:30
  that
• 8:30
  builds
• 8:31
  their
• 8:31
  marriage
• 8:32
  rather
• 8:32
  than
• 8:33
  tearing
• 8:33
  it
• 8:33
  down.
• 8:34
  And
• 8:35
  I
• 8:35
  ask
• 8:35
  this
• 8:35
  in
• 8:35
  Jesus
• 8:36
  name.
• 8:37
  Amen.
• 8:39
  Friend.
• 8:40
  I
• 8:40
  want
• 8:40
  to
• 8:40
  leave
• 8:40
  you
• 8:40
  with
• 8:40
  this.
• 8:42
  Your
• 8:42
  marriage
• 8:43
  is
• 8:43
  the
• 8:43
  most
• 8:43
  valuable
• 8:44
  asset
• 8:44
  you
• 8:44
  will
• 8:44
  ever
• 8:45
  manage.
• 8:47
  Manage
• 8:47
  it
• 8:47
  well.
• 8:50
  Now
• 8:50
  your
• 8:50
  questions
• 8:50
  for
• 8:51
  the
• 8:51
  show
• 8:51
  could
• 8:51
  help
• 8:51
  someone
• 8:51
  else
• 8:52
  too.
• 8:52
  I
• 8:52
  think
• 8:52
  this
• 8:53
  question
• 8:53
  today
• 8:53
  was
• 8:53
  perfect.
• 8:54
  There's
• 8:54
  a
• 8:54
  lot
• 8:54
  of
• 8:54
  people
• 8:54
  that
• 8:55
  probably
• 8:55
  thinking
• 8:55
  you
• 8:55
  know
• 8:56
  what,
• 8:56
  I'm
• 8:56
  so
• 8:56
  happy
• 8:57
  somebody
• 8:57
  answered
• 8:58
  that
• 8:58
  or
• 8:58
  asked
• 8:58
  that
• 8:59
  question.
• 9:00
  If
• 9:00
  you've
• 9:00
  got
• 9:00
  a
• 9:00
  question
• 9:01
  for
• 9:01
  the
• 9:01
  show,
• 9:01
  I
• 9:01
  would
• 9:01
  love
• 9:02
  to
• 9:02
  hear
• 9:02
  your
• 9:02
  voice.
• 9:03
  Not
• 9:03
  just
• 9:03
  the
• 9:04
  writing,
• 9:04
  you
• 9:04
  can
• 9:04
  actually
• 9:05
  record
• 9:05
  your
• 9:05
  voice.
• 9:06
  We've
• 9:06
  made
• 9:06
  it
• 9:07
  super
• 9:07
  simple
• 9:07
  for
• 9:08
  you.
• 9:08
  Go
• 9:08
  to
• 9:09
  financiallyconfidentchristian.com/voicemail
• 9:13
  put
• 9:13
  a
• 9:14
  link
• 9:14
  right
• 9:14
  in
• 9:14
  the
• 9:14
  show
• 9:14
  notes.
• 9:14
  You
• 9:15
  can
• 9:15
  click
• 9:15
  on
• 9:15
  the
• 9:15
  link
• 9:15
  and
• 9:15
  go
• 9:16
  right
• 9:16
  there.
• 9:16
  But
• 9:16
  here
• 9:16
  it
• 9:17
  is
• 9:17
  again.
• 9:17
  It's
• 9:17
  financiallyconfidentChristian.com/voicemail.
• 9:23
  We'll
• 9:23
  play
• 9:23
  your
• 9:24
  question
• 9:24
  on
• 9:25
  the
• 9:25
  show
• 9:25
  and
• 9:25
  we'll
• 9:25
  give
• 9:26
  you
• 9:26
  an
• 9:26
  answer.
• 9:26
  Well,
• 9:27
  thank
• 9:27
  you
• 9:27
  for
• 9:27
  joining
• 9:28
  me
• 9:28
  today.
• 9:29
  I
• 9:29
  encourage
• 9:29
  you
• 9:30
  stay
• 9:30
  financially
• 9:31
  savvy.
• 9:31
  May
• 9:31
  God
• 9:32
  bless
• 9:32
  you
• 9:32
  and
• 9:33
  you
• 9:33
  have
• 9:33
  a
• 9:33
  truly
• 9:34
  great
• 9:34
  day
• 9:34
  today.