Brave Conversations: United in Stewardship

“Two are better than one, because they have a good reward for their labor. For if they fall, one will lift up his companion. But woe to him who is alone when he falls, for he has no one to help him up.” — Ecclesiastes 4:9-10 

Reflection: 

Let’s be honest—talking about money isn’t easy for most couples. It’s one of those subjects that can instantly stir up nerves or discomfort, whether those feelings come from childhood experiences, family values, or just personal worries. Money matters like debt, budgets, and spending habits tend to feel awkward to discuss, and that tension often leads couples to dodge the topic altogether. But when money conversations get swept under the rug, little problems can quietly chip away at trust and closeness. Just like a strong house needs a good foundation, a thriving relationship needs open and honest conversations about finances. 

It helps to remember that marriage was designed to be a partnership. Scripture tells us that two are better than one, and that’s especially true when it comes to facing financial challenges. Instead of handling money worries alone, couples can lean on each other for support and strength. Being open about your finances isn’t just sharing numbers—it’s about building trust, working as a team, and making wise choices together. When you invite God into your money talks, you’re honoring Him with how you manage what you’ve been given, and you’re welcoming His guidance into your decisions. 

Letting money issues go undiscussed can cause small misunderstandings to grow into bigger problems. But when couples make it a habit to talk openly and honestly about money, it helps them understand each other better and eases financial stress. These conversations allow you to set goals together, celebrate when you reach milestones, and get through setbacks with grace. Facing those awkward moments as a team can actually become a source of strength and connection, helping your marriage grow even stronger as you move forward together. 

Personal Application: 

If the thought of talking about money makes you and your spouse want to run the other way, you’re definitely not alone. Try starting small—maybe just set aside ten minutes at the kitchen table once a week or once a month to look at your finances together. Instead of focusing on what went wrong or pointing fingers, come to the conversation as a team, with curiosity and a desire to figure things out together. Remember, you’re both working toward the same goals. 

Make your talks feel safe by agreeing to really listen before you respond, and keep your words gentle. Be honest about your hopes, worries, and dreams when it comes to money—even if admitting them feels a little awkward. You might find it helpful to use budgeting apps or jot things down on paper to make the numbers less intimidating. And if things feel overwhelming, don’t be afraid to ask a trusted friend or financial counselor for help. The point isn’t to be perfect—it’s to understand each other and move forward together. 

Most experts suggest couples should talk about money at least once a month, but you might prefer weekly check-ins, especially when life throws big changes your way or you’re working toward something specific. What matters most is sticking with it. The more regularly you check in, the fewer surprises you’ll face, and the more trust you’ll build. Over time, these talks won’t just make your finances clearer—they’ll help bring you closer and add more peace to your relationship. 

Thought-Provoking Questions: 

1. What emotions or memories come up for you when you think about discussing finances with your spouse? 
2. How can you create a judgment-free environment for honest conversations about money? 
3. What shared financial goals would you like to set together in the next year? 
4. How might inviting God into your financial decisions change the way you approach stewardship as a couple? 

Prayer: 

God, thank You for bringing us together in marriage. Help us to talk honestly and gently about our finances, even when it’s hard. Give us the courage to share, to listen, and to support each other through whatever comes our way. Show us how to handle what we have with care and wisdom, and help us look to You for guidance in every decision. Let our money conversations draw us closer—both to each other and to You—so we build trust and unity in our relationship. Amen.