How Brides and Grooms Can Slay The Money Demons That Threaten Marriage

by Alonzo on July 25, 2011

Money conflicts can destroy the foundation of even the strongest of marriages. But according to Dr. Taffy Wagner, author of the new book Bride and Groom Money Talk FAQ, it doesn’t have to be this way.

We had the chance to chat with Dr. Wagner and discuss how new couples can tame the money conflicts that threaten marital bliss.

MochaMoney: Dr. Wagner thank you for taking the time to talk with us about money and marriage.

Dr. Wagner: Glad to be here.

MochaMoney: You’re a woman of many talents. You’re an ordained minister, author, speaker, entrepreneur, financial expert, and Certified Educator in Personal Finances. What made you decide to write a book about engaged couples and finances?

Dr. Wagner: I was already a premarital counselor and the idea for the book came about as I watched couples fail to plan for a financial future together. Sure they were taking care of the money issues surrounding the wedding, but in their wedding planning bliss they ignored the big money questions.

Often it was out of fear of finances or shame at having managed money so badly in the past. Sometimes it was not knowing how to get the financial help they needed. I realized that it’s hard for people to ask for help, so my book is designed to answer many of the most common questions people have about marriage and money.

MochaMoney: We’re all taught to look for the red flags in relationships that might spell trouble down the road. What financial red flags should singles look for when dating?

Dr. Wagner: When it comes to the finances, singles should pay attention to their partner’s conversations about money. Are they complaining about not being able to pay the bills? Are they overspending, constantly trying to lavish you with gifts? This could mean they are living beyond their means. Do they appear to have their money management skills together or are they very silent when it comes to money?

Granted you may not know these things after the first few weeks of dating; however within a few months you’ll easily be able to determine the answers.

MochaMoney: Dr. Wagner, what’s your best advice for young married couples trying to start off on a strong financial foundation?

Dr. Wagner: Be honest and transparent about your financial behavior AND any financial obligations you are bringing into the marriage. That also means exchanging credit reports and sharing with your future mate why you made some of the choices that you made.

You cannot establish a strong financial foundation if financial secrets exist. If you want your marriage to have a strong chance of succeeding, transparency is key.

When financial bills are hidden and secret spending occurs, trust is broken. It’s hard to get that back because you can not gain trust by lip service alone.

Your ACTIONS have to line up.

MochaMoney: We’re told that marriage symbolizes the joining of two lives into one. Does this carry over into finances? Do you, for instance, believe couples should have joint or single accounts?

Dr. Wagner: Each couple has to decide for themselves when it comes to joint, single or a combination of accounts based on the financial behavior of each person and their backgrounds.

Should a couple automatically go right into joint accounts? I don’t think they should without having disclosed financial obligations, slow pays, and debt – whether it be credit card debt or student loan debt.

What is each one bringing to the table? Furthermore, some bank establishments will not allow a joint account if the other person’s financial background appears to be less than acceptable. I experienced that at the beginning of my own marriage.

Also, you have to remember that credit is individual whether you are married or not. There is no such thing as a joint credit report. Sure you may purchase a house or a car in both names – which will show up on both of the credit reports; however, each person should maintain a degree of good credit because once a credit report has been established in that person’s name, it follows them for the rest of their life.

MochaMoney: He’s a spender, she’s a saver. How can contrasting money styles coincide and thrive in marriage?

Dr. Wagner: Contrasting money styles can exist with constant communication and by getting to know your spouse. You must both be adults and recognize the spender and the saver in each of you.

Furthermore, don’t play the blame game when something happens with the money. Adults know what each other will and are going to do. The key lies in balancing the styles to benefit the marriage.

Contrasting styles may be cute in the beginning but if you don’t learn how to use them to compliment the marriage, those same opposing tendencies will tear it apart.

Learn how to balance them so both partners feel as if they are achieving mutual financial goals and dreams.

MochaMoney: What’s the number one problem tearing marriages apart financially?

Dr. Wagner: At the end of the day it’s not really finances that tear a marriage apart. Financial conflicts are simply the symptoms of a much larger problem. Usually it comes down to a lack of respect for a partner’s value system. Couples should learn how to communicate, respect one another, and compromise.

Communicate with your spouse when it comes to making major financial decisions. But don’t just communicate about the dollar amounts. Let your partner know how the financial choice reflects your value system. Let’s say a wife values financial security for her family. She should be able relate to her husband how putting away some of the IRS refund into a retirement account addresses that need for security.

And couples should learn to respect their partner’s value system. A husband should not simply dismiss his wife’s need for security. Neither should she dismiss his need to spend money to enjoy life in the here and now. It’s all about R-E-S-P-E-C-T.

Finally, married couples need to learn how to compromise. Once they’ve come to understand each other’s value systems, and both partners have been afforded the luxury to provide input on a spending decision, they should learn how to come up with spending solutions that address both partner’s value systems. Part of that IRS refund might go into a retirement account, while a portion might be used to purchase a new flat screen television.

MochaMoney: What is the biggest take home message young couples will come away with after reading your book, Bride and Groom Money Talk FAQ?

Dr. Wagner: I hope they’ll come away understanding that communicating about money and marriage before the wedding sets the stage for what will happen throughout their marriage. If they want their marriage to succeed and not be torn apart because of money then they should talk about it before they stroll down the aisle.

If couples hide financial facts during the engagement, they will hide them in marriage and put their relationship on a financial roller coaster. This book shows them how to talk WITH each other instead of at each other.

MochaMoney: That’s so true. Good solid communication can solve a whole host of problems. I’d like to thank you again Dr. Wagner for speaking to us about this important topic.

Dr. Wagner: It’s been my pleasure.

MochaMoney: And for couples considering that walk down the aisle, make sure to pick up a copy of Dr. Wagner’s book, Bride and Groom Money Talk FAQ, or visit her website at brideandgroommoneytalk.com.

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