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Gail and
Jeff were sitting in our office for a premarital counseling session. Gail
had recently received quite a large inheritance from her parents. Although
Jeff had no real savings, he owned his home and earned a significant income.
Gail's income from her job was much smaller. Their friends and family urged
them to keep their money separate, in case their relationship didn't work
out. While this made sense on a practical level, it nevertheless caused
each of them some sadness. It felt strange to start their lives together
in marriage, to join together spiritually, yet keep a big part of their
lives separate. In Gail and Jeff's case, it felt right to them to join financially, to lump all their money and assets together. For another couple, it might not feel like the highest alternative. How does a couple decide what to do with money in their relationship? First, and most important, money is a form of energy. It's not a shameful aspect of the relationship to be shunned and rarely talked about. Try substituting the word "love" for the word "money," and see what happens. It changes everything. If you can revision money in this way, you can remove the shame from your feelings about money. Remember, as a form of energy, it's how it's used that makes the difference. Money invested only for the purpose of increasing your wealth is not expansive energy; it is contracting energy. If used generously to help others, as in tithing, money does become like love. Next, examine any reasons you might have to keep your money separate from your partner. Are any of these reasons "fear-based?" For example, are you afraid of being taken advantage of? Do you mistrust your partner in any way? Are you afraid of losing your individuality or your identity? If your answer is yes to any of these questions, your feelings need to be talked about with your partner, ideally in a neutral setting with a good counselor. We admit, there may be some good reasons for not pooling financial resources, such as a gift or inheritance with specific instructions for its use. However, given these exceptions, we would like to urge couples to join together financially as well as spiritually and emotionally. Keeping separate financially is all too often a reflection of keeping separate emotionally or spiritually. It can be a socially sanctioned way to run away from a deeper level of intimacy and joining. If your desire is for the highest love possible, if you want to discover to ecstasy of joining heart and soul with your beloved, take the steps needed on the physical level of existence, which includes sharing your money. When Joyce and I got married in 1968, I was a first-year medical student. Joyce worked hard as a public health nurse to support us both. Our "progressive-thinking" friends thought Joyce a fool to be paying for my medical education as well as our living expenses. But she was perfectly happy to be doing this, arguing that I worked just as hard as she did. She was right. We both worked just as hard, she bringing in money, me earning a medical degree. There was a balance of energy in the relationship. Later, during my psychiatry residency, I was finally earning a small, but to us significant, stipend. Joyce took some time off between jobs to discover a deeper part of herself. Again, we both were working very hard, me with long hours at the hospital and Joyce with long hours inside her soul. Again there was a balance of energy. From 1968 to now, there has not been "my money" or "your money." It has always been "our money." We feel this has blessed us in many ways, and allowed us to go deeper into spiritual unity. Our joined finances has not taken away our money worries. We have had our full share of financial problems and stresses. But we have struggled together as mates, rather than individually or even as adversaries. Knowing Joyce and I are on the same team, sharing one another's burdens as well as gifts, has deeply comforted us both.
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