Embrace Poverty! Studies have shown that money is the number one reason that couples argue, and I find this is true with many of the couples that I counsel.  When the marital conversation changes from the topics of budget and lifestyle to that of mere survival, the impact is of biblical proportions.  So, no matter what financial issue you’re dealing with as a couple, we first need to dispel some myths before we work on some fundamental principles when it comes to money.   The first one is that money makes you happy.  Certainly the lack of money is very problematic, but increased wealth is not commensurate with marital satisfaction and happiness.  Another myth is that money makes you secure.  Commitment made by a person with character to a life-long relationship is the only provider of security.  The third myth is that money makes you free.  Some of the most bound people I know are those who have great wealth and live in fear of losing it.  So I encourage couples to do a budget, save 10%, and give 10%.  In addition, it is imperative that couples not spend money that they don’t have.  Loans and credit card debt tend to distract and deflect a couple from doing the basic communication that is required in every healthy marriage.  Also, I encourage couples to live on a limited income.  Just because you happen to make more money doesn’t mean you have to spend it.  Finally, learn the secret of being content with what you have.  In fact, embrace whatever income you have and allow your marriage to not be distracted.  If that means embracing poverty, so be it.  Your marriage is more important than your bank balance.,