Navigating Financial Disagreements in Marriage: A Biblical Perspective
Money can be a sensitive topic for couples—even those who
typically communicate well. Over the years, we've seen that many financial
disagreements follow familiar patterns. By identifying these common issues and
grounding your responses in biblical principles, you can pursue greater unity,
peace, and purpose in your financial relationship.
1. Supporting Adult Children
It's natural to want the best for your children, even after
they've reached adulthood. Tensions often arise when one spouse feels compelled
to continue financial support, while the other believes it's time for the
children to become financially independent. This can involve debates about
paying for tuition, providing a home down payment, ongoing allowances, or
covering debts.
Biblical Principle: “Train up a child in the way
he should go; even when he is old he will not depart from it.” —Proverbs
22:6.
Scripture teaches the importance of raising children to be responsible and
self-reliant. While generosity is godly, enabling dependency can hinder growth.
Tip: Set prayerfully considered, mutually agreed-upon
boundaries for supporting adult children. Balance your desire to bless with
your responsibility to guide them toward stewardship and independence.
2. Inheritance Decisions
Estate planning can stir deep emotions, especially when
spouses differ on what legacy they want to leave. One may desire to pass on
wealth directly to children, while the other leans toward charitable giving or
setting conditions on inheritances.
Biblical Principle: “A good person leaves an
inheritance for their children’s children, but a sinner’s wealth is stored up
for the righteous.” —Proverbs 13:22.
We are called to be wise stewards of what God has entrusted to us, using our
resources to bless future generations and advance His kingdom.
Tip: Engage in open, prayerful conversations about
your estate, guided by shared biblical values. Consider involving a Christian
financial advisor to help mediate decisions and ensure your plans reflect
God-honoring stewardship.
3. Differences in Spending Habits
Even financially stable couples can clash over spending. One
spouse may prioritize saving and simplicity, while the other enjoys luxury or
experiences that bring joy. Without unity, these differences can create
tension.
Biblical Principle: “Keep your life free from love
of money, and be content with what you have.” —Hebrews 13:5.
Contentment and mutual respect in marriage reflect godly wisdom. Wealth is not
evil, but its use should be aligned with eternal values.
Tip: Develop a spending plan that reflects both
prudence and enjoyment. Prayerfully discuss how your finances can glorify God
and support your family’s calling.
4. Hidden Spending
Trust is foundational in marriage. When one spouse hides
purchases or debts, it can lead to broken trust and deep wounds. Even small
financial secrets can grow into major issues over time.
Biblical Principle: “Whoever walks in integrity
walks securely, but whoever takes crooked paths will be found out.”
—Proverbs 10:9.
God calls us to walk in the light—with honesty and integrity, especially within
our closest relationships.
Tip: Commit to financial transparency. Establish
regular times to review finances together and pray over decisions. Transparency
cultivates trust and unity.
5. Conflicting Priorities
Couples often disagree when their financial priorities don’t
align. One may prioritize leisure and lifestyle upgrades, while the other is
focused on saving for retirement, giving generously, or preserving wealth for
future generations.
Biblical Principle: “For where your treasure is,
there your heart will be also.” —Matthew 6:21.
Our financial choices reveal our values. When spouses share spiritual goals,
unity in spending follows more naturally.
Tip: Seek God together in prayer when setting
financial goals. Align your spending with shared values that honor God—whether
it's giving, saving, or enjoying His blessings together.
Final Encouragement
Financial disagreements are common, but they don’t have to
divide you. With open communication, prayer, mutual respect, and biblical
grounding, money can become a tool that strengthens your partnership and
deepens your shared faith.
“Two are better than one… If either of them falls down,
one can help the other up.” —Ecclesiastes 4:9–10
Let God’s Word be your foundation as you navigate your
financial journey—together.
Investment advice offered through OneAscent Financial Services, LLC, d/b/a Provident Oak Financial, a Registered Investment Adviser with the United States Securities and Exchange Commission. Registration as an investment adviser does not imply any certain degree of skill or training.
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