Couplespeak™ Blog

Who Controls the Money?

Awhile ago, I worked with a couple who had this conversation in a session:

“You know, sweetie, I decided that paying only $3500. for the bike I want would be a great deal! The electric bikes run about $5000 to $6000 average! We could finance it easily with your excellent credit, or just buy it outright. And we could ride up hills on and off road! It would be so handy and fun!”

“$4000 for a bike that doesn’t even require any exercise? Do you think I’m made of money?! We have loads of other, more important expenses coming up! And, why are you leaning so happily into old age? What’s wrong with using some muscles – and paying a fraction of the price – on my dime?!”

Guess who was the primary earner in this marriage? And guess who got their way…

Historically, husbands frequently provided the income and wives stayed home running the household and dealing with the kids. Although wives often managed the checkbook, their husbands often maintained control over the spending choices made. It was an efficient but unequal system in terms of power.

Today, spousal roles are usually more blurred, with both partners earning an income and both sharing household and child rearing roles. What often remains the same however, is the fact that the higher earner generally has more say about what and when money is spent on based on their own assignment of value to purchases – (hence the electric bike discussion).

Because fluid sharing of power seems so vital to modern day marriages, I encourage couples to look at their habits or practices that create a power imbalance. It often is most obvious in this financial realm where the perception of value to an expense gets more votes and credence from the top earner.

So, instead of arguing endlessly about what’s worth spending money on, I encourage couples to set up an “Ours, Yours, and Mine” account system which supports collaboration on joint spending and expenses, as well as individual prerogative and independence around non essential spending. Things like the mortgage, utilities, food and children’s needs would come from the joint account, which the couple would fund equally, but proportionately to their income. The separate accounts would be funded based on an agreed upon monthly amount, also equally and proportionately from each spouse’s income. That way, the husband who wanted to get an electric bike would fund it from his own account in his own time without it having to meet his wife’s “priority” test.

For other one-earner couples I’d encourage them to look at the subjectivity around discretionary expenses. What’s “worth it” to one, may not be to the other. Weighting that based on who makes the money can create a nasty power imbalance that can color the relationship, so better to take turns or negotiate out disagreements about what “we” spend or don’t.

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Wednesday 1/17/18 8:30 PM EST BlogTalk Radio Episode: “How Good a Partner are You? Take the Test”

In this half hour episode I explore the issues involved with being either a clueless spouse / partner, or one who has healthy, loving partnership skills. This episode taps into emotional intelligence, how highly you would rate yourself when examining your attitudes, knowledge and practices in your primary relationship, and identifying areas where you may need to improve to avoid misery, and to create more satisfaction for you and your partner / spouse. Tune in and take the 20 question test to get a better read on how the experts might score you, also to get a better sense of where you might be headed for avoidable trouble!

To join the conversation live with questions or comments call toll-free 877-497-9046.  If you can’t make the live show you can hear the recording anytime afterward at: www.BlogTalkRadio.com/SusanLager

However you tune in, you won’t want to miss this episode! You’ll learn about relationship skills and practices essential to happiness and trust!

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Don’t miss my next BlogTalk Radio show Wed. 8/24 8:00 PM: “3 Key Signs of Unfairness in Relationships and How to Fix Them”

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BlogTalk Radio Episode: “What’s Your Conflict Style?” Wednesday 5/28/14 8:30 PM EST

In this 45 minutes episode, Susan Lager co-hosts with Meredith Richardson, a collaborative lawyer, mediator and conflict coach on the Southern New England coast. Hosting other events together, such as couples retreats, the two women bring their own spin to the issue of conflict in marriage as well as in friendships and in the workplace. Lager and Richardson explore the different conflict styles, and explore how each of us learns to manage conflict based on earlier experiences and adaptations to those environments.

• Find out what triggers you and why, and how you manage it well or badly.
• Take one of the recommended Conflict Quizes to find out more about your own conflict style
• Get some ideas for avoiding the “same old fight'” with your partner! Get a head’s up on getting along better with your spouse, friends, and co-workers!

Call in toll-free 877-497-9046 at 8:30 EST to just listen in, or to join the conversation on the air with questions or comments. Don’t miss this one – it should be lively!

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Are You A Lazy Husband?

Calling all lazy husbands! You (should) know who you are: you leverage your wife’s need to keep the peace, her need for order, her need to please, to take care of everyone, her guilt, her less than terrific self esteem, etc. You cash in on it with lots of napping, watching TV, drinking beer, puttering in the garage, puttering with your car or motorcycle, yakking with the neighbors (also remiss husbands), checking your email, looking at porn, and just being a couch potato with the dog or cat.

Don’t get me wrong – there are plenty of loving, generous husbands who do their fair share of the work on the home front. There are also lots of wives who drop the ball on their husbands, letting them do 80% of the work, while they work out, play tennis, have lunch with friends, and shop, or read, or putter around. Right now I’m focusing on husbands who cop out, because it’s probably a more common complaint wives have, than husbands have, and because I can’t talk about everything at once.

If you’ve heard your wife complain with some frequency about your lack of participation around the house, you can either discount her as a chronic, unprovoked nag, or you can do some soul searching about the possible kernels of truth in her complaints. If you choose the latter, you might want to examine what you’re trying to accomplish with doing less. Maybe, it’s your way of flipping her the bird, because you feel resentful about things the two of you don’t discuss. Maybe you feel unappreciated for the other things you do in your life together. Maybe the two of you have set up a “parent-child” dynamic, with you playing the part of the lax child, needing to be scolded by a parent, a scenario which might mirror your family of origin dynamic. Maybe it’s your way of getting attention, feeling short-changed by your wife’s attention to the kids and relatives. Maybe you were just trained by your family to expect others to wait on you, and feel it’s your entitlement.

Whatever drives your under-functioning, be aware that it always has consequences. Don’t expect her to be warm and fuzzy in the bedroom, when the context is one of disparate contribution to the work load.

Don’t think she’ll forget it and be available for fun and lightness, with time and distraction. Don’t expect to feel good about yourself, down deep, when you know on some level that you aren’t carrying your own weight. Do expect resentment, a disengaged, cold shoulder, more nagging, and a buildup of contempt.

The good news is that if you use your words about what bothers you or what you need, instead of acting it out through under-functioning, you can open up potentially constructive dialogue about who needs what, and what to do about it. It’s far more constructive and mature. You’ll also avoid the unpleasantness of life in the dog house. It’s your call……

Good night and good luck,
Susan Lager

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