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I’m not someone who gets along well with numbers. I’m just
not. I’m sure that’s the reason that the relationship based approach to finance
that is expressed in the book,
Till Debt Do Us Part. Balancing Finances,
Feelings, and Family, by Dr. Bernard E. Poduska
was so surprising and
refreshing to me. The introduction to chapter two was so powerful to me that I
would like to share it.
“It does not take us long to realize that we do not enter
marriage empty handed; we carry a lot of ‘baggage’ with us. For instance, we
bring our levels of self-esteem, our willingness to adapt to change, our
attitudes toward life, and our expectations and values.
“Unfortunately, many newlyweds tend to bring to their
marriages a fairy-tale belief in loving happily ever after, a belief seemingly
based on this supposition: ‘We have been good. Therefore, only good things will
happen to us.” This belief seems to blind them to the fact that their
relationship will undergo radical and usually unexpected changes. One partner
may even naively ask the other to ‘stay just the way you are.’ (If this were to
happen, the partner making the request would someday be married to sixty-year
old spouse with the maturity of a twenty-year-old! Not a pretty picture.)
“What usually prompts such a request is the desire to
perpetuate the happiness the partner feels at that moment.
Many erroneously
assume that the state of being happy is static
rather than dynamic, or changing.
But life is change, and happiness is not fully appreciated in the absence of sorrow
and hardship. Two people who go through life’s ups and downs together grow in
ways neither may foresee. Because each partner changes, they do not just
celebrate and annual anniversary but rather what could be called a
‘remarriage.’
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“
Two people celebrating a fiftieth wedding anniversary, for
example, are not the same two people who married at age eighteen. A pioneer
woman who built sod huts, plowed fields, bore and buried children, fought off
Indians, dug wells during droughts, and twice nursed her husband back to health
would not be the same debutante her husband first met in a quaint St. Louis
sitting room. Having been through such adversity together, however, they would
most likely end up loving each other in a deeper, more personal way than when
they first met. She would have changed, he would have changed, and their love
would have changed. And with each change they would recommit- redeclare- their
desire to be married to each other.”
In order to make it through all of these changes and adjustments that life will inevitably hand to us, it is important for us to understand some things about the 'baggage' that each of us bring into our relationships. Some of this baggage comes in the form of unspoken rules and expectations that we bring from each of our families. By talking about these expectations we can do a better job of valuing and respecting each others perspectives. This is especially true of money issues.
Taking time to explore the following questions as a couple can open your understanding to the expectations and rules that you and your partner bring to your relationship. Even if you have been with your partner for a long time, these questions might turn on some light bulbs for you as you think about your partner's financial behavior.
'Your-perspective-matters-to-me' questions:
1.
Do you think your family was materialistic? In
what ways?
2.
Could you ask for financial support? How did
family members respond when another family member made a request for help?
3.
How did you and your parents express affection
for each other?
4.
How did your parents express affection to each
other?
5.
Were you allowed to express your feelings? Which
feelings and to whom?
6.
How did your parents express approval or
disapproval?
7.
How did family members respond to change?
8.
What
kinds of roles were assigned to males and females?
9.
How did your family evaluate success? In terms
of money, degrees, land, social status, or possessions? In other ways?
10.
How did your parents feel about debt?
11.
How did your parents manage the family finances?
12.
How openly could you talk about finances?
13.
In which socioeconomic (middle class, upper class,
etc.) group do you think your family belonged? During which period of your
live?
14.
What was your parents’ attitude toward both
husband and wife working outside the home?
15.
What was your family’s attitude toward saving
and investing?