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Financial Adultery

In my 30 years of counseling, one of the common reasons couples come for counseling is disagreements about money.  It is one of the "Big 4" of marriage counseling (the other three are sex, kids, and in-laws).  Infidelity in marriage is not limited to sex, but can also involve money.  Some marriage therapists refer to this as "Financial Adultery."  According to Jeffrey Drew, Ph.D. of Utah University, couples who argue about money at least once a week are 30% more likely to divorce.  In addition, the more credit card debt, the more the couple will tend to argue about money issues and other issues in the marriage.  Lying and keeping secrets about money in marriage is disloyal behavior and can be just as devastating as sexual infidelity.  Here are some practices that are a part of financial adultery:
Hiding Money from Your Spouse.  Let's say you get a bonus check from work, or win some money in the lottery, or get a larger than expected tax refund.  Instead of telling your spouse about it, you keep it to yourself and stash the money somewhere or spend it on yourself.  Maybe putting it in a rainy day fund is a better idea, but in all of these examples, not telling your spouse will leave them wondering what else you haven't been up front about.
Hiding Significant Purchases.  You just have to get the latest ____________.  To get it, you max out the credit card or just spend a big load of cash on it.  This can impact your credit score and possibly your financial stability.  This is simply a sin of omission (Oh Honey, I simply forgot to tell you about it).
Lying About the Real Price.  This often happens because the one spouse is afraid if the other found out how much was spent, it would start an argument.  So to avoid that, the amount of money spent is low balled.  Or one that a lot of wives seem to use, "But look how much money I saved."  Not.
Spending Money on your Addictions.  I have seen so much damage and hurt caused by this one.  Often to fuel the addiction, the person will steal money, forge their spouses name to get a loan or additional credit cards to fuel it, even engage in theft.
Racking Up Credit Card or Loan Debt.  This doesn't just happen to fuel an addiction, it can be done to spend money on just about anything. This can be very damaging in the marriage as it could hurt the couple's credit score, which could then lead to a denial of a mortgage, home equity loan, car loan, etc.
Taking Out One or More Credit Cards in Your Own Name and Not Telling Your Spouse.  At this point in our discussion, this should be a no-brainer.  Like many of the these practices, it involves deception and withholding of important information from the person's spouse.
Loaning or Giving Money to Family or Friends.  This one can cause a lot of hard feelings, especially when the money isn't paid back.  I have also seen this create problems in blended families where a spouse will give or lend money to their children from the first marriage, without consulting first with the current spouse.  A recipe for marriage disaster!

So what is the answer for all of this.  First, establish and budget and actually stick to it.  Second, have a policy of complete honesty and openness in the handling of money in your marriage.  No secrets, no lies, just be honest. Third, if you have been guilty of committing financial adultery, confess it to your spouse and seek to get things back on track with your finances.  Fourth, seek out sound financial advice from books and tapes from authors like Dave Ramsey, or take Financial Peace University when it is offered at your church or near-by location.

Blessings,
Dr. Paul

Who Has the Best Sex?

So who has the best sex, the single person who seeks out the next hook-up, the couple who live together, or the married couple?  The answer may surprise you, it is the married couple.  And it's not just the young married couple.  According to the researchers at the Center for Sexual Health Promotion at Indiana University, married people have sex much more than single people.  According to their research, 61% of singles had not been intimate in the last 12 months, compared to only 18% of married couples.  According to research reported in the Journal of Marital Therapy, married couples with an active sex life report higher levels of satisfaction in their marriage, and in life.  Couples who had less frequent sex have lower relationship satisfaction. In the report "Sexuality in Marriage, Dating, and Other  Relationships:  A Decade Review," and published in the Journal of Marriage and Family, married couples have higher levels of sexual satisfaction.  Singles and cohabiting couples report much lower levels of sexual satisfaction.  According to a survey conducted by iVillage, love is enough to turn on married couples, 59 % of women, and 50% of men state that love for their spouse is enough to get them turned on.  The same survey found that sex became more predicable after marriage, and this is not a bad thing for most men and women. According to a study published in the Archives of Sexual Behavior, a surprising number of couples who have been together for more than 50 years are having more sex.  Mature married couples say that frequent and satisfying sex are one of the reasons they have a better marriage and happiness in life in general.

It is very interesting to me that, once again, the secular research here actually supports a biblical view of sexuality.  We learn from the Scriptures that God created us as sexual beings, and sex is meant to be enjoyed, and not just for procreation (Proverbs 5:15-21; Song of Solomon; 1 Corinthians 7:1-7).  Our Creator, knowing how sex works best, places sex within the context of heterosexual marriage (Genesis 2:24-25; Proverbs 18:22; Mark 10:6-9; Romans 1:18-27, Hebrews 13:4).  I think God does this for two reasons, to protect and to provide. He wants to protect us from physical and emotional harm.  And He wants to provide the best place for our sexuality to thrive.  What difference does a marriage commitment make for a couple's sex life?  When a couple  to each other in marriage first, they are making an unconditional promise and commitment to each other, that no matter what, they are in this relationship for life.  When a couple have that unconditional commitment, they are saying that no matter what happens in the bedroom, they are here to stay.  This means that sex is no longer a test, but is now a beautiful expression of the life-long, trusting, loving relationship. Sex thrives in the context of trust and unconditional commitment.  It changes the relationship from, "if you love me, you will let me be intimate with you" to "I love you, period." Having this provides the basis for greater oneness in not only in the bedroom, but in every aspect of a couple's relationship.
Blessings,
Dr. Paul

The Second Most Important Step in Saving your Marriage

What does it take to save your marriage?  You feel unfulfilled, unloved, disrespected.  You and your spouse seem to be spinning your wheels and getting nowhere.  One or both of you feel trapped.  Hope is fading fast.  What steps can you take to try to save your marriage?  Notice I entitled this post the Second Most Important Step in Saving your Marriage.  No, it's not a misprint.  The first step is recognizing that your marriage is in trouble.  Not everyone gets that.  I can't tell you how many people have been in my office after being told by their spouse that the marriage is over and they had no idea the depth of how he/she was dissatisfied and just wanted out.  I have even had a number of people who didn't get it until they were served with divorce papers.  So the first step is an important one, recognizing there is a problem.

The second step, and one that I find can be the hardest to do, is stop looking at all of the problems and deficiencies of your spouse, and start looking in the mirror.  You have to recognize that unless your spouse is a substance abuser, and/or physically abusing you, you too have contributed to the problems in your marriage.  You and your spouse are both sinners, both in need of God's grace.  On top of that, the only person you can change is you, not your spouse, not your kids, you are the only one you can change.  Jesus talked about how we tend to focus on the problems of others while ignoring our own when he said these words, "Why do you see the speck that is in your brother's eye, but do not notice the log that is in your own eye?  Or how can you say to your brother, 'Le me take the speck out of your eye,' when there is the log in your own eye?  You hypocrite, first take the log out of your own eye, and then you will see clearly to take the speck out of your brother's eye." We are so quick to see the faults of the other person, but fail to pay attention to the problems we have.  Notice the picture Jesus paints here, it is the difference of a speck of sawdust compared to a log!  Most couples in marital distress have the exact opposite view.  The problems in their spouse is the size of a log while the problems they contribute are the speck.  

If you are going to save a marriage that is going down hill fast, you have to stop "speck picking" your spouse, and start dealing with what you are doing to bring down the relationship.  I know you probably feel very justified in your complaints against your spouse, and they probably have merit, but simply focusing on their deficiencies and trying to get them to change is not gong to save your marriage.  You have to start with yourself.  And to help you do that, let me give you a prayer right out of the Bible that can help you keep your perspective, and be a means of seeking God's help to do this.  It is a prayer written at the end of Psalm 139 and it says this:  "Search me, O God, and know my heart, try me and know my anxious thoughts, and see if there be any hurtful way in me, and lead me in your everlasting way."  Notice the focus of the prayer.  It isn't, "Search my spouse and help my spouse see all the things they are doing wrong, and fix him/her." The prayer is focused solely on the one praying it.  

Saying this prayer on a regular basis isn't going to do everything that needs to be done to save your marriage, but it is a start.  God hears and answers prayers like this, use this prayer to not only seek God's help, but to also help to change your perspective on who and what needs to change.  

Blessings,

Dr. Paul

How To Have a Happy Marriage From People Who Know (Part 3 of 3)

Today I want to share some of my thoughts about the different points from Pillemer’s work to examine couples who have been happily married for decades.  For more information on his study, see parts 1 and 2.  So here we go!

Follow Your Heart:  This one can trip you up.  Yes, there is certainly something to the feeling of being in love with someone, and certainly you don’t want to marry someone just because “it is time.”  But, feelings are not what are gong to sustain a happy marriage in the long run.  As Pillimer noted in my introduction to this study, marriage is work, hard work.  As people who see me for counseling know, I detest the idea of “falling in love.”  People fall in ditches, potholes, trenches, and man holes, you don’t fall in love.  You didn’t fall in love.  You met someone with qualities you liked and made a conscious decision to get to know him/her.  The other way this can trip you up is when you are dating and engaged, relying too much on feelings can blind you, or cause you to sugar coat, problems or issues that need to be resolved. 

Use Your Head:  I think this is a great balance to the first point about following your heart.  If there is one thing I try to emphasize with couples in pre-marital counseling it is this point.  Be sure to pay attention to little things that give you a clue to how this person is when not around you. 

Look for someone with similar values:  Not much to say here, this one is right on the money in my opinion.

Talk, talk, talk.  Here we are talking about the life blood of the relationship, the oil that keeps the engine running.  I love his example of can you go out for a two-hour dinner and keep an interesting conversation going.  If there is one thing that can trip up a marriage, it is assumptions and expectations.  The way to keep these from derailing your relationship is to communicate.  This is part of where the work of marriage comes in.  When you are first in love, it is easier to communicate because you are getting to know each other and there is a certain about of infatuation.  As the years of marriage grind on, and kids come on the scene, it takes time and effort to keep communicating as you once did. 

Tread carefully when discussing difficult topics:  I’m not sure about the food issue he states, but I know I can get grumpy when I am hungry!  Timing and giving yourselves a break from the argument are good, just make sure you get back to discussing it so it can be resolved. A helpful scripture here is Ephesians 4:29-30.

Put your relationship first.  Yes, yes, yes!  The ultimate first is your relationship with God, then your spouse, and then everyone else. 

Lighten up on in-law relationships.  Good points here.  When I was in graduate school and we studied marriage and family counseling, my professor talked about the “big three” of why couples come for counseling, money, sex, and kids.  I have since added a fourth, dealing with your in-laws and extended family.  Enough said.

Stay out of debt.  This is also one of the “big three.”  I recommend anything by Dave Ramsey, or taking the Financial Peace University classes. 

Focus on small things to keep the spark alive.  I find that one nice, small act of love, kindness, or appreciation goes a long way.  Let your spouse know they matter to you, and you are thinking of them. 

Enjoy Intimacy.  While sex is not the basis of a marriage, a healthy sex life is the result of a healthy marriage, and was created by God for us to enjoy, within a committed, monogamous, heterosexual marriage. 

Respect each other.  Again, some good advice here.  Respect does involve listening attentively to your spouse, along with valuing them for who they are, their opinion, feelings, etc. 

I found this study by Pillemer to be very interesting and I think we in America should do more to listen and respect those who are our seniors.  They have a lifetime of wisdom and life experience to share. 

Blessings,

Dr. Paul

How to Have a Happy Marriage From People Who Know, Part 2 (of 3)

Last week I shared some of the results from a significant study of senior adults by gerontologist Dr. Karl Pillemer from Cornell University.  on how to have a happy marriage for the long haul.  He conducted 700 interviews with people 65 and older in what he calls The Marriage Advice Project.  See last week’s blog for more details about the study and the first half of the findings he reported.  Here are the rest of the advice he gained from his interviews: 

Tread carefully when discussing difficult topics.  If you want smooth marital communication, timing is critical.  Read cues from your partner to decide the best time to raise an issue.  When things aren’t going well in a discussion, back off, Pillemer says.  He also points out that one surprising finding from his research is retirees said that sometimes their marital arguments might be related to one or both of them needing to get something to eat. Whether it is low blood sugar or just the need for comfort, food seems to help tone down conflict.  One couple said when they were having a tiff, she offers her husband a sandwich, and he offers her a cup of tea. 

Put your relationship first.  Your relationship with your spouse has to come before the kids, in-laws, jobs, friends, and anything else, retirees said.  You don’t do your children much good if your marriage dries up. 

Lighten up on in-law relationships.

Many of the elder experts said you don’t marry a person; you marry his or her family.  People should work hard on the relationship with their in-laws, even though it may mean compromise, withholding opinions and searching for points to respect and admire.

Stay out of debt.

The couples in this study recommended living within whatever amount of money you make and avoiding debt, especially for luxury items and credit-card debt. 

Focus on small things to keep the spark alive.  Pillemer says, “Marriage is made of thousands of micro intentions.”  The retirees said to keep those interactions positive:  give compliments, do unexpected little things like the other person’s chores.  Many of those interviewed said the failure to give and receive compliments was one of their big regrets. 

Enjoy Intimacy.  Many older people who have a partner “are having very fulfilling sex lives. People really enjoy the sense of intimacy with a lifelong partner” according to Pillemer.  He goes on to say,  “one of my favorite quotes in the book was the guy who said, ‘Look at our age this is recreation, not procreation.”    

Respect each other.  This means paying attention to how you say things, and listening and showing that you are listening to what your partner says.  “Long-married retirees say the real danger of marriage is that you know someone so well that they are extremely vulnerable to you.  You have the ability to hurt them more than anybody else you know.  Respect is the protection against that,” says Pillemer. 

So there you have it, how to have a long, happy marriage from people who know.  In my next post I will comment on the points made from this study.  What do you think about the results from this study? 

Blessings,

Dr. Paul

How to Have a Happy Marriage From People Who Know, Part 1

How to Have a  Happy Marriage From People Who Know

Since it is Valentine's Day and everyone is thinking about love, or the lack thereof, I would like to share the results of an interesting study on how to be happily married, and for the long-haul.  I normally don’t spend much time reading material from gerontologists, but recently Karl Pillemer, a Cornell University gerontology professor did a study of hundreds of seniors asking them the secret to a happy marriage.  He spent the last four years conducting what he calls the Marriage Advice Project.  He did interviews with more than 700 retirees, 65 and older, who were married for an average of 43 years.  The longest was a marriage of 76 years between a 101 year-old man and a 98 year-old woman.  His sample included some people who were happily married for years, those who were widowed, and those who had been through multiple marriages and divorces.  As my wife and I look forward to our 30 wedding anniversary this June, and looking at his study from a Christian perspective, it was interesting to me to see what the people in his study had to say, and consider my perspective in comparison. 

So what did they have to say?  According to Pillemer, overall they said, “marriage is hard.  It takes spirit and resilience.  It is something you work at and get better at, but it is never completed.”  If there is one thing from this study I agree with, it is this, marriage does take work, hard work.  People too often think that it is just supposed to happen.  It doesn’t just happen, it takes making it a priority and working at it.  He also speaks of another valuable perspective that can only come with age and experience, “when you look back from the finish live over half century or more of marriage, lifelong marriage is incredibly good.  It’s almost indescribable.  It’s such a source of joy.” I’m not there yet, but looking at my marriage over these thirty years, there have been some serious hurdles, and with longevity comes a sense of satisfaction and joy that runs deeper. 

Here are some of the retirees’ insights on marriage.  I am using his bullet point titles in bold print, and I will reserve comment on each of these until we get through them all.  I plan to do this in three parts so keep coming back! 

Follow your heart when choosing a spouse.  According to Pillemer, retirees’ believe you need to experience that “in-love” feeling with the person you marry, and if you don’t have that, you probably shouldn’t get married.  He goes on to say, “all too many people get married with a not-in-love or this-is-wrong feeling, but you have to trust your instinct.  One hundred percent of the elders described a sensation of rightness.  If you lack that feeling, and you are just going into marriage because it’s time, they say it’s very likely not going to work out well.” 

Use your head.  The seniors in this study believe you can’t know for sure if the person is right for you, but you can increase the odds if you follow your head and look at important things as whether your potential spouse will be financially responsible, be a good parent, etc.  You need to look at traits such as honesty, fidelity, compassion, and having a sense of humor. 

Look for someone with similar values.  Pillemer points out that while there is a popular myth that opposites attract, these long-term married retirees say that is not true.  “They say a little bit of difference is good, but the fundamental reason is to marry someone a lot like you. Some differences can work, but if you have real differences in core values you’re not likely to last very long.”  Some of the areas they stressed are similar values about religion, money, child rearing, how you want to spend your time, and the importance of career. 

Talk, talk, talk.  All of the people in this study talked about the importance of communication.  According to these retirees, the “strong, silent type” may be attractive for a time, but usually doesn’t make the best lifelong partner.  Here is a test they propose: Can you go out for a two-hour dinner and keep an interesting conversation going?  If not, you need to work on your communication.

I will share the rest of Pillemer's findings in my next post, and then provide my thoughts in a third and final post.  

Blessings,

Dr. Paul