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Money and Marriage

Hi, I'm Karen and I'm a Finance Coach for Christian couples. If you're ready to get on the same financial page and build wealth together, my weekly newsletter is for you. Get practical tips for having positive money conversations, stretching your budget and creating financial unity in your marriage.

a couple looking at their bank statements
Featured Post

You might be starting the money conversation all wrong

Hi Reader, Here's something I see happening in almost all couples I work with. When one person brings up money out of nowhere, the other person shuts down. Not because they don't care — but because they weren't ready. They feel cornered. And a conversation that starts with one person on the defensive almost never ends well. Here's what changes that. Before you bring up money this week, try this instead: "I'd really love for us to [get out of debt / save up an emergency fund / go on that trip...

A couple creating a plan for their money

Hey Reader, Someone said something to me this week that made my whole day. She told me that after using my money plan for a few months, she couldn't live without it. Not "it's been helpful" or "it's made a difference." She couldn't live without it. And that's exactly the kind of thing that reminds me why I do what I do — because when a woman goes from avoiding her finances to not being able to imagine life without a plan, something has fundamentally shifted not just in her bank account but in...

A couple looking at their budget together

Hey Reader, I still remember the day I found out. We were in debt and my husband bought a PlayStation. I was furious, not really about the PlayStation, but because we weren't on the same team with money. Maybe you've had a moment like that. Or maybe things are fine, but money conversations in your house are just... tense. A little awkward, something you both avoid. Either way, I get it. After years of working this out in my own marriage, and helping other couples do the same, I know one thing...

A couple looking at their money together

Hello Reader! I remember it like it was yesterday. It was August 2021. We couldn't leave the country due to COVID so we headed to the local beach for a few weeks. My husband finally had time to listen to an audiobook on personal finance. And one evening he turned to me and asked: "So shall we use the savings to clear the debt?" That evening, we sat together and talked about money. Calmly. Together. Without it turning into a fight. I honestly couldn't believe it. For so long, money had felt...

Hello Reader, Let me tell you about Martin and Amanda. They'd been married for 13 years. Thirteen years of birthdays, holidays, arguments about whose turn it was to do the dishes, and everything in between. But in all that time, they had never once sat down and talked about money. Not once. They had separate bank accounts. Separate financial lives. And an unspoken agreement to just… avoid talking about money altogether. When something went wrong — and sometimes it did — a bank loan quietly...

Hello Reader, Jac & Curtis from Alberta, Canada won a completely FREE Intentional Spending Plan session (worth $147). And I'm so excited to work with them. Here's what Jac said when she found out she won: "We're very excited to have expert support to get us on the same page financially and create a plan together that we are equally invested in!" That's it. That's the goal. Not just a budget. Not just tracking expenses. Getting on the same page. Building together. Both equally invested. That's...

A couple praying

Hello Reader, Can you believe we're already in week 3 of January? I know. It feels like 2026 just started... and yet here we are, almost a full month in. So let me ask you: how's it going? If I had to guess, you're probably in one of two places right now: Option 1: You're crushing it. You set financial goals on January 1st and you're actually following through. (If this is you - amazing! Keep going!) Option 2: You had good intentions. You said "this is the year we get our finances together."...

Hi Reader , One of the most common things I hear from couples is: "We just can't get on the same page about money." One person wants to save. The other wants to enjoy life now. One sees a budget as freedom. The other sees it as restriction. Sound familiar? Here's the truth: getting on the same financial page doesn't mean you have to think exactly alike. It means you understand each other and work together toward a shared vision. This week, try this: Sit down with your spouse and ask them: "If...

a lady reading a book

Hello Reader , As a finance coach for couples, I get asked all the time: "What's the ONE book we should read together?" Without hesitation, I recommend "The Psychology of Money" by Morgan Housel. Here's why this book is a game-changer: It taught my husband and I (and now the couples I work with) that personal finance is more personal than it is finance. Our money decisions are driven by emotions, experiences and psychology rather than pure logic. Understanding why we make certain money...

Hello Reader , We used to think we were hopeless with money. Every January, we'd set ourselves some new money goals. Set strict spending limits. Promise ourselves this time would be different. By March? We'd be ordering takeout, feeling guilty and convinced we lacked willpower. Sound familiar? Here's what we discovered: We weren't the problem. The approach was. Most budgets start with the wrong question. They ask: "How little can you spend?" But the right question is: "What do you want your...