How to Deal with Financial Problems in Your Marriage (2 Minute Read)
Daniel Crosby • June 13, 2023

Day 6


How to Deal with Financial Problems in Your Marriage (2 Minute Read)


Raise your hand if you’ve ever had a disagreement about money in your relationship?


Don’t be embarrassed. Did you know that money fights and money problems are the #1 cause of marital conflict in the U.S.?


The good news about that is if you and your spouse can get on the same page with money then you’re well on your way to handling many other issues in your marriage.


There are 2 main sources of money conflict in a marriage:


1. We don’t consider our spouse’s MONEY MINDSET.


Are you the SPENDER or the SAVER in your relationship?

SPENDERS see money as fun, freedom, and opportunity.

SAVERS see money as safety, security, and stability.

Can you see how these could clash in the middle if you don’t understand the other’s mindset and goals? Begin to see the benefit of the other person’s perspective and how that could be of great value in your marriage.

Personally, I often say that my wife makes me a lot more fun with money and I make her a lot more responsible with money. We both need each other.


2. We don’t have a PLAN on how to MANAGE our money TOGETHER.


We often believe that the answer lies in more income. Unfortunately, there’s a concept called “life creep” that describes what happens when we make more. Our lifestyle creeps up based upon our income level creeping up. So, while the brain surgeon makes more than the gas station attendant, oftentimes both struggle with managing finances in their homes and their marriages. The answer lies in having a PLAN. This is a really boring solution, but you and your spouse need to sit down before the month begins and create a PLAN for next month. Whether you’re earning $2,000 or $20,000 per month, if you don’t agree TOGETHER on a PLAN for where your money is going then the money will just seem to vanish.


Homework: Recognize who is a saver and who is a spender. Text or call your spouse right now and say, “Hey, I think we need to sit down and make a plan for our money next month. Will you do that with me?” You won’t do it perfectly the first time, but you need to begin somewhere.


As always, if you’re stuck then don’t hesitate to reach out to me personally. I help couples reconnect every day and get back on track to having a marriage they’re excited to go home to.


By Daniel Crosby February 24, 2026
Level 1b: Self-Trust After betrayal, many people don’t just lose trust in their partner, they lose trust in THEMSELVES. “Did I miss the signs?” “Was I naive?” “Can I ever trust my own judgment again?” Rebuilding self-trust is not about becoming fearful or suspicious of everyone. It’s about reconnecting with your perceptions, instincts, and internal signals and learning to respect them again. Maybe you sensed something was off but talked yourself out of it to preserve the relationship or the family. That doesn’t mean you’re bad it means you were trying to do the right thing and ended up getting bit. This level runs through EVERY stage of trust rebuilding. Even as your partner becomes more consistent, your work is to begin to listen to your inner self again. When self-trust grows, you’re no longer relying entirely on your partner’s behavior to feel safe. You begin to carry safety inside yourself again. For the partner who caused the harm: Be patient. Support your partner in regaining confidence in their own feelings and reality. Avoid defensiveness, minimizing, or anything that resembles gaslighting. For the betrayed partner: Practice trusting your instincts and emotional responses. Recall times when you listened to your gut well. Reestablish what you will and will not accept in a relationship and honor those boundaries consistently.
By Daniel Crosby February 17, 2026
Level 1: Fractured Trust After a betrayal trust shattered. People in this level say, “Everything feels broken. I don’t know if I can ever trust again.” That makes sense, because betrayal doesn’t just hurt your heart; it disrupts your sense of reality and safety. But you’re still here; still considering what repair might look like. The fact that you haven’t walked away entirely says there’s a part of you that hopes healing might be possible. Level 1 is not about forgiveness or resolution. It’s not about moving on. It’s about honesty, stabilization, and finding safety again. This is also a time to avoid impulsive emotional decisions. You don’t have to decide the future today. You just have to survive today and take good care of yourself. You don’t have to know yet whether trust can be rebuilt. Right now, the only question is: Can we create enough safety for healing to begin? And that… is a powerful place to start. For the partner who caused the harm: Acknowledge the pain without defending, minimizing, or explaining it away. DO NOT SAY: “I didn’t mean to,” or “It wasn’t that bad,” or “You’re overreacting.” SAY THIS: “I see the damage. I take responsibility. I’m willing to repair.” Your tone, attitude, and consistency matter more than your words right now. For the betrayed partner: Your work is not to “get over it,” but to let the pain be real without letting it control your life. Try not to distract or numb yourself to the point that you can’t feel anything. This is where trusted friends, a good therapist, or a pastor can come alongside you to help.
By Daniel Crosby February 10, 2026
Before we jump into the Levels of Trust, it's important that we have a good working definition of how to rebuild trust. "AUTHENTIC CONSISTENCY WITH TRANSPARENCY OVER TIME" Authentic - This cannot be manipulative, spiteful, fake, or contrived. It is humble, cheerful, and freely given. Consistency - Tell me what you're going to do and then do it. Transparency - Whatever you do, do it wide open. No hidden actions, agendas, or ulterior motives. Time - Do it over and over again for as long as it takes. Focus on this definition as we jump into the Levels next time!