Journey to Surrender

When it comes to intimacy, money isn't really all that different from sex.
If you read here much you know that I'm all about couples finding intimacy in every form.

I have heard it said that sex and money are the areas that cause the most marital troubles. I can certainly believe it. Maybe you can testify to this in your own marriage.

While you see a lot attention paid to physical intimacy, you don't see nearly the same kind of focus given to money issues. There are many marriage books, blogs and other resources dedicated to sexual issues in marriage. But if both sex and money are really the top areas where couples struggle, then maybe we need to give financial intimacy a little more attention? Agree?

What is Financial Intimacy?

Intimacy, in whatever form, is about being one. I like to say that intimacy reaches its zenith when we are fully known and still find that we are fully loved.

It's not different when it comes to money.

That means being free to be your true self, without shame or secrets concerning money. And it means being fully loved by your spouse regardless of your financial circumstances. That's not a pass for being financially irresponsible, but it means putting your relationship above money.

Staying intimately connected to your spouse has to matter more than your bank balance.

Next time I'll share some tips on how to improve your financial intimacy, but for today I'd like to give you four reasons why it matters to your marriage.

1) It's Not Really About the Money

As with sexual issues, money troubles in marriage are rarely really about the money. Rather, contention over money tends to be a barometer of other troubles in your relationship.

Discord over money might point to poor communication, lack of trust, control issues or other troubles in your marriage. Money might just be what causes these issues to bubble up to the surface.

Similarly, if you don't have good agreement on how to walk out the biblical notion of headship and submission, that is going to show up in the financial arena as well.

2) Where Control, Fear and Shame Thrive, Love Does Not

As with your sexual relationship, negative feelings about finances tend to be driven by fear or a need for control.

We know that the Bible says that fear and love are antithetical to one another (perfect love casts out fear - 1 John 4:18). If fear is driving your finances, it's likely true that love is not.

Because money is so important to our daily lives, it is easy to slip into control mode. Fear and doubt over money can easily drive us to try to control our spouse in the financial arena. We also might try to control our financial circumstances by working excessively for fear of lack.

Shame over money will drive us to hide things. Hide spending. Hide accounts. Hide desires. Hide fears. Secrets in marriage do damage to your relationship. Money is no exception.

Shame, fear and control all do damage to the intimacy in your marriage. If these things are happening over money, they will more than likely happen over other issues too.

3) Be One In Everything

I believe that when we marry we become one in every way. That includes being one in finances.

If you are living separate financial lives, then there is a cap on the amount of intimacy you can enjoy in the rest of your relationship. When you try to selectively limit your oneness to certain areas of your marriage, you inevitably damage unity and intimacy in other areas. It's all connected.

4) Money is a Biblical Priority

Certainly the Bible talks a lot more about money than about sex. A whole lot more. Jesus himself talked a lot about money.

Money matters to God. More accurately, how you handle money matters to God. And so financial intimacy in your marriage matters too.


So have I convinced you that financial intimacy needs to be a priority in your marriage? 

Be sure to come back next time when I'll explore specific ways to build financial intimacy into your marriage. Click here for 4 Practical Steps to Financial Intimacy.

Until then, feel free to leave a comment with your thoughts on money and marriage. Do you think financial intimacy is a real thing?

Take small steps every day to positively change the culture of your marriage.

As I said last time, the future course of your marriage will be greatly influenced by its culture. Your marriage culture is defined by the beliefs, values, attitudes, achievements and activities that surround your marriage. I tossed out some questions around these in my last post, hoping to prompt you to give some consideration to your current culture.

The Middle French origin of the word culture comes from "cultivate" and is associated with tending, guarding and tilling. Think of culture of your marriage is like a garden: the way you cultivate the soil of your marriage will determine the health of the fruit and the beauty of the flowers it produces.

Want a healthy, beautiful marriage? Check your culture!

Regardless of where your marriage culture is at this point, below I'll offer three simple ideas that will be a positive influence on it. You might be in a marriage where you feel like you are one making all the effort. I understand that it's a hard place to be, but the truth is that you can influence the culture of your marriage in a positive way without your spouse buying into the need for change. Of course it's better if both of you work on your culture together. Progress will be easier if you are both pulling in the same direction, but you have more power than you think you do.

I'm going to suggest that you do each of these three simple things every day for two weeks. Do them regardless of your spouse's reaction or lack of one.

1)  Do Something Generous

Especially after you've been married a long time, it's easy to fall into a habit of doing things for your spouse and expecting something in return. It's pretty natural, but that's not the kind of generosity I'm suggesting here. Find some small, deliberate act that you know your spouse would appreciate and do it solely with the intention to bless him or her. Do it with a smile and warm heart (they will know if you are doing it reluctantly).

Your act of kindness doesn't have to be anything huge. In fact, it's better and more sustainable if it's not. You know your spouse better than anyone else, so you probably already know how to bless them. Just get intentional about doing the things you know they would appreciate. Brainstorm a little and make a list.

For example, many wives appreciate things like five or ten minutes of focused time together, a date night that you plan, a surprise communication from you (text, email, phone call) during the day "just because" If you know she is worn out (or even if she isn't), give her a or a neck or foot rub, lend a hand with the kids or housework, bring her a cup of tea or glass of wine and insist that she rest, or draw her a bath. Bring her a small gift or treat that lets her know your were thinking of her during the day. Offer to pray with her.

For many husbands, having you initiate sexual intimacy is high on their list. If that feels like too much for where you are, try just wearing an outfit you know he likes or his favorite scent. Non-sexual touch, like holding hands, sitting close, or a back rub are things like that say to him "I love you, and I care about you our physical closeness." Learn to flirt a little. Give him a warm greeting when he comes home. Even if you can't always follow through, showing your husband this kind of attention will go a long way.

Do something that shows respect, which is a key need for most husbands. If you tend to be strongly opinionated about things, try letting him take the lead on something without resistance, maybe even ask him to. If you ask him for help with something, thank him for his efforts and do not criticize him.

The words you use are important. Your tongue is a powerful weapon for good or bad; wield it carefully and intentionally to bless and encourage. 

2) Say Something Kind

I did a survey a while back where I asked husbands and wives what their one most important need was and what having that need met would look like. Many of the answers I got really came down to wanting to have words of kindness sincerely expressed to them from their spouses. The desire for appreciation and affirmation came through loud and clear as unmet needs for both men and women, although they tended to express it somewhat differently.

For men, being appreciated for the work they do for the family was important (not that the same isn't important for women, it just tends to be more part of the male identity). Ask him about his job, and be interested and supportive. Feeling regularly criticized was painful for many of the men who took my survey. So during these two weeks, avoid criticism and instead find things to thank and praise your husband for. Thank him for things he does. Tell him something you love about him. Admire him for who he is.

Wives tended to want similar kindness from their husbands. Whereas for husband such needs were expressed as part of feeling respected and trusted, for wives it tended to be seen as part of feeling cared for and to a lesser extend appreciated. Kind words of tenderness mean more when accompanied by things like eye contact, a smile, a hug or other kind physical gesture. Thank your wife for all she does for you and the family, but also tell her you what you love about her. Admire her for who she is.

Regularly practicing kind words and gestures will do more to change the culture of your marriage than anything else.

3)  Ask A Sincere Question

When relationships get stuck on autopilot, one of the things that goes is engaging and meaningful conversation. Topics tend toward the functional and not so much the relational, emotional and spiritual.

So come up with a list of engaging questions for your spouse. Be sure these are things you really do want to talk about, though. Your spouse will spot insincerity, and that could do more harm than good. Here are some good open ended conversation-starting questions of the type I"m talking about:

• What is the one country you want to visit more than any other and why?
• What was the best part of your day today? What was the worst part?
• What did you think of the sermon on Sunday?
• What is happening (or what are you learning) in the book you are reading now?
• What is something that is concerning you that I can pray for you about?
• What is one thing I could do that would say "I love you" to you?

The idea here is to engage the emotions and the spirit and not just the mind.


There are few guarantees when it comes to human relationships, but I sincerely believe you will see your marriage begin to shift slightly toward a more positive culture if you do these three things consistently. The point is not that you have to be 100% every day. The point is to do most of these on most days. Then watch what happens. You'll be surprised at the noticeable shift.

What do you think of my three daily culture changing ideas? What others might you add? Chime in with a comment.