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Are you two stressed over money? Do your talks more often than not end up in fights? Learn an effective and fun way you get on the same page and talk about money!

The Money Talk vs Money Dates

One of the most popular questions I get is, when should we talk about money?

Having THE money talk is not only intimidating but unproductive. Find out a better, less stressful option in today’s episode.

Talking about money can have a meaning impact on your marriage. But it can be a scary step, especially if one or both of you has debt.

I know this firsthand.

After we were engaged, we decided we were going to share our numbers. It didn’t go as well as we thought.

My fiance was living on a cash-based budget and had one semester’s worth of student loans that he was going to pay off when the grace period was over. I had the trifecta of debt – credit card, car loan, and student loans.

It was obvious we weren’t on the same page with money.

As rip off the band aid experience that was, the money talk had us face our differences up front. No hiding, just fairly clear idea of what we needed to work on.

However, in the years since from what we learned personally and hearing from other couples who’ve done some amazing things with their money, I would do things differently.

Instead of having THE money talk, I’d go on a date – specifically money dates.

It has been a powerful and – I’m serious about this – fun way to connect.

Jumpstart Your Marriage & Your Money

Stressed over money? Get the guide to building your wealth together!

Jumpstart Your Marriage and Your Money is designed to get you two on an effective and easy system to dump your debt, save for your dreams, and become financially independent in four weeks!

Inside, you’ll learn how to:

  • Stop fighting about money. See how you two can get on the same page with your goals and have fun with money dates.
  • Automate your budget & system. Stay on top of your money without stressing over every penny.
  • Earn and save more money. We’ll go through ways you can slash your expenses and start building some extra income to reach your dreams faster!

Pre-order your copy today!

Pre-Order Bonus

As a reminder, I do have a special bonus. I’m doing a companion course to go along with book. It will be FREE for those who pre-order.

I will go through step by step with you and if you have questions, I’ll find the tools, resources, and answers to help you out.

Purchase it and email me a copy or screenshot of the receipt and I’ll register you for the course. It’s my way of saying thank you.

Amazon | iBooks | Barnes & Noble | Google Play | Smashwords | Kobo

Thank You to Our Partners

Support for this podcast comes from partners like Personal Capital. Easy to set up & easy to use. You can have all your investments, income, and expenses all pulled into one place.

Did I mention it’s free? Why don’t you give Personal Capital a try today?

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Build Wealth Together

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About Elle Martinez

Elle Martinez helps families at Couple Money achieve financial freedom by sharing tips for reducing debt, increase income, and building net worth. Learn how to live on one income and have fun with the second..

6 comments comments closed

  1. Thank you for sharing. From my personal experience, most often one is a spender, and the other is a saver. Which are two polar opposites. I’m the saver in my relationship. My wife is the spender. We’ve been married for 7 years and we never fight about money. Not any more that is. We’ve moderated quite a bit where both of us have come closer to the middle. She respects and understands our need as a family to save, and I respect her personality and desire to spend so we find middle ground. I don’t nag her on the small stuff. That certainly has helped too.

    • Thanks Tim for sharing yoru take! Compromise has been key for us. We have similiar interests, but differ on a few things (I love to travel, he’s loves local).

      find solutions we both love is a challenge, but I think well worth it!

  2. My husband and I started talking about a joint account once we got serious about a proposal. It could be a sensitive topic, but if a couple plans to get married, they should broach the subject as soon as possible.

    • Yeah, it can be a bit awkward at first to open up on the numbers, but getting that out can help identify areas to talk about.

      Glad you guys took care of it sooner rather than later!

  3. Love this money date idea so much! I actually just wrote a post about the different ways to combine finances after “I do”. Like, do you fully combine all accounts? Each contribute all but your private stash to the joint account? Each contribute just a portion to the joint account? That sort of thing.

    Of course step one is to have The Talk. I advocated for ripping the Band-Aid off and forcing the conversation, but your money date is a much better idea! I may have some editing to do…

    • Michelle, I love your site name!

      I agree that talking about money as soon as you can for couples. IT can help you two define what’s important for you. Having done the money talk, I feel like dates are more encouraging and help us to take bite sized chunks with our finances and goals.