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The Rachel Cruze Show

Avoid These 5 Money Conflicts in Your Marriage

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 12 December 2025

⏱️ 10 minutes

🧾️ Download transcript

Summary

❤️ Get your tickets to our Money & Marriage Getaway!   Money and marriage don’t have to be complicated! In this episode, I’m sharing five common money mistakes that could be hurting your relationship and how to fix them—so you and your spouse can win with money together. 🤝 Next Steps: 🎥 Watch my video: 3 Best Marriage Tips We’ve Ever Received 📈Are you on track with the Baby Steps? Get a free personalized plan.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Figuring out money within the context of marriage, it can be challenging, and I think it takes

0:10.7

a lot of intentionality and care over time. So let me see if I can save you some trouble and give

0:16.1

you five money conflicts or mistakes to avoid so that your marriage can thrive. And make sure to like,

0:22.3

subscribe and show this episode with a friend. All right, the first money mistake that a lot of people

0:27.5

make that I want you to avoid is not sharing a bank account. Now listen, this is my number one

0:33.2

area that I get hate for. People hate this so much. But listen, this is, to me, it's like a symbol of how

0:39.1

you're viewing your marriage. And when you have separate accounts and he's doing his thing,

0:44.2

paying these bills, you're paying these things and that bill and you're vimowing each other,

0:49.0

at that point, you're not an integrated part, emotionally, financially, spiritually, all the things.

0:56.1

Like, there is something to be said when you choose to stand in front of your family and friends

1:00.5

and say, I am choosing to get married to this person.

1:02.9

That means you are choosing not to live a single life.

1:05.4

You are choosing to do life with another.

1:07.6

And that means I have found when you can do that on a deep level, and again,

1:12.8

that is emotionally, spiritually, everything, when you are a team and you see yourselves and trust

1:18.6

your spouse and you can be so connected on all these elements of life, you have a deeper,

1:24.8

more connected marriage. And money, that's not an exception. It is part of it.

1:30.3

And the more you see each other as one, I think the faster you pay off debt, you build wealth,

1:34.9

but also this level of knowing, like, I'm locking arms with this person and we're doing this

1:39.4

life together as a household. So regardless of whose paycheck hits the account, if one of you works and one of

1:46.7

you doesn't or one of you makes more and one of you doesn't, but it hits the same account under a

1:51.2

household. What are we going to do as a household together? We both have a say. We both have a vote.

...

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