6 Signs That Money Is an Issue in Your Marriage With Art Rainer

Dec 12, 2023

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Art Rainer is a regular contributor here at Faith and Finance and the author of several books, including The Marriage Challenge: A Finance Guide for Married Couples.

WHAT ARE SOME WARNING SIGNS THAT INDICATE A COUPLE MAY HAVE PROBLEMS WITH MONEY?

Frequent heated arguments about money are a major red flag. It's concerning if discussions about budgeting, spending, debt, or giving lead to intense disagreements.
Financial infidelity is another critical issue. This includes hiding purchases, maintaining secret bank accounts or credit cards, or exceeding spending limits without informing the spouse.
Using money as a weapon in the relationship is a serious concern. This behavior involves controlling or punishing a spouse with money, like giving allowances or withholding funds, and contradicts the unifying purpose of money in a marriage as intended by God.
Managing money independently, with separate bank accounts and financial responsibilities, is a warning sign. This approach undermines the biblical concept of marital oneness and can lead to long-term divisions.

Rainer suggests that couples facing such issues could benefit from consulting a certified Christian financial counselor, available through FaithFi.com.

HOW CAN COUPLES EFFECTIVELY ADDRESS THESE FINANCIAL WARNING SIGNS?

Art highlights communication as a key factor in addressing financial issues in a marriage. He refers to the practice of having regular financial discussions — or "money dates" — to maintain open communication and prevent problems like financial infidelity.

Implementing a joint approach to finances, rather than managing them independently, is recommended. This approach aligns with the biblical concept of unity in marriage, replacing 'mine' and 'yours' with 'ours.'
Using money in a way that fosters unity and supports the advancement of God's kingdom is essential. Money should not be used as a tool for control or punishment in a marital relationship.
For couples who feel that separate finances "just work" for them, Rainer warns about the potential long-term risks of such an approach. He advises that even if it seems to work now, it may lead to significant divisions over time.

Read Art Rainer’s full article on this topic: 6 Signs That Money Is an Issue in Your Marriage

ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:

I've already discussed my finances with a kingdom advisor and am in a good position; I'm considering using annuities to leave a legacy for my kids and would like your opinion on this.
I'm in my upper 50s and want to buy a house but can't save the recommended 20% down payment; should I use my 401(k) or get a loan from the bank?

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Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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