American radio personality and financial advisor Dave Ramsey said that there exists no concept of my money and your money in marriage.
According to the writer, in the Facebook post on Valentine’s Day, marriage is meant for unifying two people and having two separate bank accounts will easily lead to distrust, fighting, and weakening the relationship between the couple.
“If you’re married, “my money” and “your money” doesn’t exist. It’s “our money.” And that’s the only way to win,” he wrote.
Marriage is about unity. But when couples keep their money separate, they act like roommates instead of a team.
This can lead to:Lack of trust, Money fights, Hidden spending, A weaker marriage
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And couples split their money for all kinds of reasons:
“I don’t want to fight about money.”
“I make more, so I should control it.”
“We have different spending habits.”
“I don’t want to lose my independence.”
But these are just symptoms of a bigger problem.
Marriage isn’t 50/50. It’s 100/100. That includes your money, decisions, and future. If you don’t trust each other with your finances, you have a relationship problem—not a money problem.
Here’s how to get on the same page about money in your marriage:
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—Combine your bank accounts. No more “mine” and “yours.” Just “ours.”
—Create a budget together. Every dollar has a job, and you both decide.
—Set shared financial goals. Debt-free? Homeownership? Early retirement? Dream together.
—Communicate regularly. Have weekly money check-ins so there are no surprises.
When you and your spouse get on the same page financially, you’ll build a stronger marriage and a better future—together.
