Episode 6: Busting 5 Money Myths That Hurt Your Marriage

In Episode 6 of Matrimony and Money, Sherman and Cristina talk straight about five common money myths that quietly damage marriages.

They break down each one:

• “More money will fix our problems.”
• “Talking about money kills the romance.”
• “As long as the bills are paid, we’re good.”
• “Only one person should handle the finances.”
• “We’ll figure it out when we make more money.”

You’ll hear real stories from their own life, why these myths stick around, and simple steps strong couples take instead—like setting money dates, using a zero-based budget, and working as a team.

This episode gives you practical ways to clear up money stress and build a stronger marriage right now. If you’ve ever avoided money talks or hoped extra cash would solve everything, this one’s for you.

Listen in, then talk about which myth has been living rent-free in your relationship.

FREE RESOURCE:
The Couples Money Date Guide — the exact step-by-step conversation format Sherman and Cristina used before paying off $203K. Download free at the link below.
matrimonymoney.com/links 

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As seen on The Dave Ramsey Show · Fox News · Fox Business

Transcript

SPEAKER_00 0:00

You said talking about money will um lose the romance.

SPEAKER_01 0:05

Yeah, it'll ruin the romance.

SPEAKER_00 0:07

Depends on how you talk about it. Okay, so more millions, more money. So let's talk about this. Better mood.

SPEAKER_02 0:15

So where do you think this myth came from? Where do you think this money myth came from?

SPEAKER_00 0:20

Me in my trauma. Like, we don't have money. We don't have money. We don't have why do we meet to talk about us not having money? I already know that. Let's move on.

SPEAKER_02 0:39

Alright, guys, here we go. Another episode of Matrimony and Money with Sherman and Christina. Guys, this week we're super excited because we're gonna have a very sort of, I don't want to say practical episode, but we're gonna talk about some money myths, right? And it is going to change your marriage if you apply it, right? Because if I'm being honest, if you believe any of these five money myths that we're gonna talk about, your marriage is already at a disadvantage. So let's fix it. Um let's sort of jump into it. Well, first of all, uh if you're on YouTube, you see me with my glasses on. These are meta glasses. I don't know how to use them for the pods yet, but I'm wearing them because I'm excited about my meta glasses. But we're taking them back to the moral to change them, but I'm excited.

SPEAKER_00 1:30

Exchange them for a different color lens. So or frame.

SPEAKER_02 1:34

So if you're watching it on um YouTube, leave me a comment.

SPEAKER_00 1:39

It looks so good.

SPEAKER_02 1:40

Let me know if you like it. And guys, oh, here's something we have to do a much better job at. If you're listening to the podcast, whether Apple, YouTube, subscribe. You guys know how important that is. Um, we're starting to get into the game of I see why now everyone says hit that subscribe button. So I'm telling you, hit that subscribe button. Apple, YouTube, Spotify, whatever, that uh that helps us stay on air. Alright, guys, so let's start a seriously, let's jump into it. So let's talk about money myth number one. Money myth number one is if we make more money, that'll fix the problem.

SPEAKER_00 2:17

No.

unknown 2:18

No.

SPEAKER_00 2:19

Oh, it's a myth.

SPEAKER_02 2:19

Yes, yes, it's a lie. Correct.

SPEAKER_00 2:22

That's a lie.

SPEAKER_02 2:23

Um, tell me so. So what do you think this came from? Like, what do you like? What do you think this came from?

SPEAKER_00 2:29

Because I feel like people have money problems like broken down cars, um, kids going off to college, and what solves it? More money. More money, right? So practically, yes, but no, because it just depends on how um disciplined you are with your money, whether that could be a true statement or not, but not money alone would fix that. It's behavior, um, it's how you think about money, how you look at money, how you deal with money. So, not just the money alone solves the problem, um, but I guess your attitude towards how you handle it, how you deal with it.

SPEAKER_02 3:09

Okay, so and for me, I believe that couples really started believing this because it just makes you feel better, right? If I'm being honest, I think it's sort of a just uh internal thing, because it's easy to say, well, if I made more money, or when I make more money, this problem will magically go away. And so I think that's really where it started. But the damage that it does is to me, it doesn't because most of the time when you say, Oh, well, when this happened, then I'll do that. Well, you're not gonna fix that behavior because it's gonna be some arbitrary dip down the road that when it happens, then we know that it'll never happen. Right. So for me, um money myth number one is a big one, right? Um more money.

SPEAKER_00 3:56

I feel like it's a yes and a no. I think we just um we just look at problems as not dependent upon one thing.

SPEAKER_01 4:05

Yeah.

SPEAKER_00 4:06

Like if you fix, okay, my child goes to college, but you know, if money solves that, but then what other issues trickle down from that if my heart doesn't change towards one? That's why the Bible says the root of evil is the love of money. It's not really money. Money doesn't fix or do anything, it's our attitudes towards it. Um, so yes, I mean it could solve a lot of problems, but it doesn't solve all problems, and most of the time it creates newer problems.

SPEAKER_02 4:31

Like the famous philosophers say more money, more problems.

SPEAKER_00 4:36

And who is that?

SPEAKER_02 4:37

Diddy. So it's terrible.

SPEAKER_00 4:42

Um Lord.

SPEAKER_02 4:43

Let he that without sin cast the first step.

SPEAKER_00 4:46

I know, but I just don't want to be quoting well.

SPEAKER_02 4:48

I'm just saying the famous philosophers.

SPEAKER_00 4:50

Yeah, we're not famous. More money, more philosophies. Oh, I guess bad ones.

SPEAKER_02 4:54

So here's the thing that I would challenge you guys if you sort of believe this. Financially strong couples, I believe, what they do, you know, they like get on a budget, they figure out a plan and figure out ways to make it happen, sort of now, right? And again, budgeting matters, right? I love a zero-based budget. If you don't know what a zero-based budget is, it's fine. We'll drop something in the show notes, or you just simply Google what is a zero-based budget. But also increasing your income, right? Those are two things that you could do that will definitely help you fix some of those problems. But for me But isn't that more money? Correct. No, no, no. But I was gonna say though, for me, the bigger thing is you need to get on a budget because if you're in a deficit, you need to see where it is. Your attitude, your lot of people that say, oh, you know, money's tight, and then if you really broke down their budget, you'll see they're eating out twice a week.

SPEAKER_00 5:49

It's like that girl math meme that everybody makes fun of us about like we're saving $350 on this purse, but you're also spending $400, right? You're not really saving anything. It's the same thing.

SPEAKER_02 6:02

Yeah, no, you're right.

SPEAKER_00 6:03

Same, same concept.

SPEAKER_02 6:04

So that's money myth number one, right? If you make more money, solve your problem.

SPEAKER_00 6:09

That's not necessarily true.

SPEAKER_02 6:12

Alright, so let's talk about number two. I I I like this one because this is gonna be a good one. Talking about money sort of ruins the romance. True. Absolutely not, absolutely, absolutely.

SPEAKER_00 6:27

So here's the thing Again, depends on the perspective.

SPEAKER_02 6:30

How about saying, let's get some clarity on this in all seriousness.

SPEAKER_00 6:33

Like, okay, okay, okay, okay. If you tell me we're bajillionaires overnight, not ruining the romance.

SPEAKER_02 6:41

Nothing.

SPEAKER_00 6:41

Not ruining it. So we can do whatever you want. Yeah.

SPEAKER_02 6:46

But I was gonna say, seriously, though, like, you know, so like you guys know us, Christina's more of a, you know, sort of labor. I don't really want to deal with it too tough. I don't want to talk about it every day. I'm more like, let's let's look at this, let's see how much it's grown this week. But I think that it can ruin the mood if you don't have set specific times that you're going to have these sort of business meetings, right? Um, we call them money meetings, right? So, yes, it can ruin the mood, but it is.

SPEAKER_00 7:16

If you get your heart right, if you have the expectation.

SPEAKER_02 7:18

Like, it's not a single just, oh, we can't talk about money, it's gonna put me in a bad mood. Because it's you're gonna.

SPEAKER_00 7:23

I just feel like we can talk about money, so that is a mess. We can't talk about money if it's all positive. Like, honey, we have an extra 10 grand this month for you to spend. We can take another vacation this year. Like, that's the kind of money you need. 10 grand per month. Yeah.

SPEAKER_02 7:41

You timed it out by the yeah, it's an extra $120,000 per year. Most people don't even make that in a year. So you're saying an extra $10,000 per month.

SPEAKER_00 7:48

I'm just saying, if that was the conversation we were having, I would not be it would not ruin my mood.

SPEAKER_02 7:54

Okay, so money myth number two.

SPEAKER_00 7:56

You said talking about money will um lose the romance.

SPEAKER_01 8:01

Yeah, it'll ruin the romance.

SPEAKER_00 8:04

Depends on how you talk about it. Okay, so more millions, more money. So let's talk about this. Better mood.

SPEAKER_02 8:11

So, where do you think this myth came from? Where do you think this money myth came from?

SPEAKER_00 8:16

Me? And my trauma is like, we don't have money, we don't have money, we don't have why do we meet to talk about us not having money? I already know that. Let's move on. I like to live in denial.

SPEAKER_02 8:33

Yes.

SPEAKER_00 8:33

Maybe that's what it is. Maybe I need a psychologist.

SPEAKER_02 8:36

Seems that way. So that's okay. Okay, so tell me this. So where does money myth come from? Where do you think this money myth came from? I want to know what you seriously think.

SPEAKER_00 8:43

I really don't know, honey. Can you educate me?

SPEAKER_02 8:46

No, I believe.

SPEAKER_00 8:47

No, I think the glasses make you a lot smarter, so I I'm just gonna dumb myself down.

SPEAKER_02 8:52

Okay. Um another professor Sherman smarter. Um no, but I really do believe that this myth sort of started because one of the people in a relationship doesn't really want to talk about money. So they'll just say, hey, this is gonna put me in a bad mood. The other person isn't, doesn't want to, you know, you don't want to make your spouse.

SPEAKER_00 9:12

You don't want to rock the boat.

SPEAKER_02 9:13

Correct. So then you just don't talk about it, but well, we can't talk about it because you know, take him out of the mood. I don't want to ruin it.

SPEAKER_00 9:17

But you definitely want to take me out of the mood.

SPEAKER_02 9:23

We're talking about money. We have to talk about it. We have to figure this thing out.

SPEAKER_00 9:27

Well, if I get a headache, then don't say nothing.

SPEAKER_02 9:31

We have money, we can buy some, etc. So if you want to.

SPEAKER_00 9:34

Or we don't have money and you just have to suffer. Um see how this money conversation goes? I'm just saying devil's advocate.

SPEAKER_02 9:42

So, but let's talk about this though. Let's talk about the real damage that happens when you don't ever talk about it, right? Let's just say one part's like, I don't want time to ruin it. Now let's talk about the real damage there.

SPEAKER_00 9:54

Yes, that's a bad thing. It is a bad thing to be in denial. I'm not saying I'm right. I just said I'm not perfect.

SPEAKER_02 10:02

Okay, so I'm not right. Okay, so the real damage is it's just gonna be.

SPEAKER_00 10:06

I mean, I'm right about most things, but not everything.

SPEAKER_02 10:08

It's sort of gonna pile up, pile up, pile up, and then you're gonna have a big issue, right? Um, I sort of equated to, you know, us really getting serious to pay off the $203,000. It's not that we didn't talk about because we talk about it something, yeah, but I just wasn't ready to totally dive in and look at every interest rate, every amount, until I was, and when I did, I was just, you know, we talk about it all the time. Man, I wish I would have I wish we would have done that so many years earlier. Like so many years earlier. So, you know, the damage can be you just kicking this can down the road, holding up your wealth building. Because regardless of where you are, guys, like today, you can build some wealth. Now, I want to be crystal clear because I'm not one of those people who say, oh, everyone's gonna, you know, make millions of dollars and have all this money when you retire. Well, if you start early enough, that's definitely possible. But everyone can retire, but you have to have a plan, and it does require sacrifice, right? So if you're starting later, well, you gotta start sacrificing now, start putting more money away. Um, you know, for us personally, we try to put enough money away that sort of makes us uncomfortable and we can still do some things, you know. Um, because I know that 20 years down the road, 23, 25 years down the road, I do not want to depend on uh Uncle Sam. You know, nothing against the government, but I don't want them having to feed me.

SPEAKER_00 11:34

No, and there's nothing against people that go through stuff that requires that from time to time. Um all of us have been through hard times at one point or another. So, but yeah, I agree.

SPEAKER_02 11:45

So that should be the goal.

SPEAKER_00 11:47

That should be your mindset, that should be what you're preparing for.

SPEAKER_02 11:49

So, this money myth talking about money will ruin the romance. Here's the thing that strong couples do: they set aside times and dates to have money dates, right? Obviously, you can go to our website, matrimonial money.com. We have a date guide, it's free, and you guys can really talk about this and figure it out. You know, the hardest thing is doing it the first time. And you have to do it regardless of how it feels, because it is going to change, it's gonna make everything better, right? Like, if we seriously didn't talk about our money and getting our finances in order and building wealth, we wouldn't be sitting here right now. We wouldn't have been able to do some of the things that we've been able to do, some of the biggest.

SPEAKER_00 12:29

Some of the conversations were short, it wasn't long meetings, it was just like this is what it is. Alright, just no.

SPEAKER_02 12:36

Yeah, all right, so let's move on to money myth number three. Now, this is one that I heard growing up a ton. I think I um people still say it now. Well, you know, as long as the bills are paid, everything's okay.

SPEAKER_00 12:55

No, because there's other things besides he didn't prep me on any of these, by the way. Um I don't know. I like it.

SPEAKER_02 13:03

I hate it.

SPEAKER_00 13:04

I like that lie.

unknown 13:05

I like it.

SPEAKER_02 13:07

I hate it. As long as the bills are paid, everything's okay. That's just the like that's so that's such a low barrier. I think the bottom of the body.

SPEAKER_00 13:20

What if you don't have what if you don't have um a deep well?

SPEAKER_02 13:25

Well, you have to you have to that's the thing, you have to figure it out. You gotta look at ways again.

SPEAKER_00 13:29

I know, but if the bills are paying, I know it sucked when we would like pay all the bills and have like dollars left. Correct.

SPEAKER_02 13:35

And like to me, that's like that's not okay to live in that constant.

SPEAKER_00 13:39

Right, I was agreeing with you with the well.

SPEAKER_02 13:41

Lack, slack, and not enough. I don't want to live in lack, flack, and not enough.

SPEAKER_00 13:45

Sure.

SPEAKER_02 13:45

Like, I do not want to live like that. I I don't want anyone to live like that. Again, but I believe that piece of this comes down to, you know, you have to be willing to sacrifice, at least in the short term, so that you can get what you want long term. And, you know, I just believe money and just, you know, being out and around really makes it hard because you do have to have a very strong personality to tell your friends, your family, hey, we can't do this because we can't afford it, right? Right. Sort of sort of hurts your pride and stuff like that.

SPEAKER_00 14:16

But or just say no.

SPEAKER_02 14:18

Or just say no. Um, I mean, I would just say we always said no. But I know some people, you know, they want to tell them why they don't want to be upset, but just simply tell them you can't afford it. You know, nine times out of ten, when you tell someone you can't afford something, they're not gonna say much, right? Um, so as long as the bills are paid, um, and and I believe that really comes from just like a poverty mindset. Like it's just a poverty mindset. I grew up sort of in poverty. You know, my people worked hard, um, you know, working double shifts and all that stuff. Um they were just trying to pay the bills, right? There was there was never any talk about check to paycheck. Yeah, there was never any talk about generational wealth, and hey, when I leave here, I'm gonna leave an inheritance for your grandchildren. It was just, hey, we're trying to do the best we can now.

SPEAKER_00 15:08

Just trying to make it.

SPEAKER_02 15:09

Correct. And there's nothing, well, there's something wrong with that, but that but they were doing the best they absolutely could. With the circumstances, so that's why now when I hear it, I'm just like, no, like don't fall for it.

SPEAKER_00 15:19

Find a way out of that.

SPEAKER_02 15:20

Correct. Let's find a way out of that because someone has to be sort of the generational curse breaker, right? Um, because these generational curses, they're just, you know, they're just patterns that happen because we grow up, we see them, and then we just sort of do them whether we want to or not.

SPEAKER_00 15:39

And I think money spending habits have a lot to do with that. Like, for instance, if you don't make enough um or just barely enough to make ends meet, what are your habits? What do they look like? Um, and we can take it back to a spiritual thing where are you tithing? Are you offering it if you believe that I believe the Bible's true? Um what what is what is holding up your increase? And that's a good question to kind of write out the budget. That's why it's so important to see everything written down on paper. Where is each dollar going? And do do these dollars need to go to those things? Um, that's what we did over and all the zero based budget. Yeah, that's what we did over and over and over again. We would, oh gosh, we spent, you know, fifty dollars on just frivolous spending at the dollar store or whatever, just on snacks and whatever, going to, you know, practices or whatnot. Um, we should have planned better for that. We could have done BOGO for Gatorades instead of going every five seconds to the store. So, I mean, yes, I believe that you should do the budget, that you should really weigh out why. Um, if there is opportunity to work uh two or more jobs or have a side hustle, or what are your talents? Like what he's what I think you're saying is there's gotta be a better way than just lack black and not enough. Not correct. And because sometimes we just don't have high earning jobs. Yeah, so for instance, I used to work three three jobs at once just because we didn't have enough. Um, and I wasn't beneath that, and I'm still not beneath that. Um, but I think it's imperative to like write out every dollar.

SPEAKER_02 17:20

Yeah, no, but I want to be critical.

SPEAKER_00 17:22

Most of the time we spend stuff on what we shouldn't be spending on.

SPEAKER_02 17:25

Yeah, like I'm not talking about like everyone is not going to be a high earner. Yeah, everyone's not gonna be high income earners. I'm not I'm I want to be clear about saying that. But like I'm not I'm not one of those people, oh everyone's gonna write it out, and then you gotta if if you share this post, you gotta make a mail. No, no, no. That's no.

SPEAKER_00 17:41

I wish.

SPEAKER_02 17:41

But I'm saying with what you have though, you gotta be a good steward. Correct, correct. So um And that's the biblical principle. So as long as the bills are paid, that's just a s such a low barrier, right? So you know, the things that I would the thing I would say successful couples do, they sit down and they devise a plan so that yes, the bills are paid, but then you start figuring out how to do a little bit more, whether that's investing a little bit, figure out how to increase your income and stuff like that. So um as long as the bills are paid, that's a that's money and number three. Number four. Only one person should handle the finances. Now, here's the thing a lot of times one of one or two, one of two of you are going to be more money-minded, and that's okay. Like, that's okay. But that's the reason it really comes back to these money dates and having these conversations because, like, for me, like I enjoy talking about this, I love talking about it, but I don't want it all to be on me, right? Like, I want to talk about it so that I can get some of this off my mind so that she can know when things are up, when things are down. Um, that way, I'm sort of not like the big bad wolf, but oh, maybe we should do this. I'm like, I don't think that's really in the budget. Well, it was in the budget two months ago when it that was two months ago, things change. Um, so things ebbed. Yeah, yeah, yeah. Definitely ebb and flow in this entrepreneurship world and things like that. So I think that you know, one person should not be just totally in charge of the finances, and the other person is just living freely and be like, oh yeah, you have $20 to spend this time, or you have to call them every time you want to make a purchase. Um, it's just a lot of stress. And again, I go back to this specifically, you know, that financial infidelity. Like, it really leads to that when one person is not held accountable and they just get to do what they want, and the other person never looks, and they're like, Well, you know, she's never gonna look at this, so I'm gonna buy this or do that. She'll never look. Um, so for me, I believe that's a big one. We've been guilty of that. You've been guilty of it.

SPEAKER_00 20:00

I have. I'd rather just not know.

SPEAKER_02 20:04

Correct. I always try to involve. I've always tried to involve Christina with this. Because again, for me, it is it is a kind of thing. It's just a lot of stress though. Like, it's a lot of like it's a burden.

SPEAKER_00 20:13

Um, for me, I think it's more stressful for a hint to tell me no or to rethink things that we've decided upon.

SPEAKER_02 20:21

Yeah, because for me to get a man taking care of my family of five, like, that's a lot of pressure. So I want someone to talk to. So I don't want all this to be on me, right? Because I'm not one of, I don't believe, like, oh, just because I'm the only one that worked outside of the home, this is my money. No, no, no, this is our money. We got to figure this thing out together, right? Like, I can lead the way, but I need you involved because again, she may be seeing or thinking of stuff that I'm not thinking of. And um, and I believe, honestly, like this right here, definitely. I think this comes from this is just rich traditional history from back in the day when the man took care of the bills, the woman stayed at home, and that was it. So I definitely think that's sort of how that started.

SPEAKER_00 21:03

Isn't that what we do?

SPEAKER_02 21:06

Uh I don't So you just stay at home, you don't take care of anything, you don't have to be a big thing.

SPEAKER_00 21:11

No, I do, but I I don't think any woman has ever not taken care of things. I mean, maybe there was a primitive time when I don't know. Proverbs 31 woman, her her hands were calloused, so that means she did something.

SPEAKER_02 21:24

Yeah.

SPEAKER_00 21:25

So I mean, she was working, she was raising the children, she was, I don't know. So yeah, but yeah, it just comes from an old-fashioned uh one person carries the burden, the other one just submissively follows along without a clue. And that's not how it should be. We should at least have a clue, we should have opinions and uh be able to pray about our finances together and make decisions together about things. Not have you be the big bad wolf. Because that's one thing. If you haven't watched previous episodes, that is Sherman's one weakness is um the thing that bothered him most when we weren't dead was telling. Mean no to things, which didn't bother me. It never bothered me, but it used to bother him a lot.

SPEAKER_01 22:06

So yeah, for sure.

SPEAKER_00 22:10

An alarm.

SPEAKER_01 22:12

Okay.

SPEAKER_00 22:12

It's not gonna stop.

SPEAKER_02 22:14

Well let you get a lot of start with this next one.

SPEAKER_00 22:17

Um I don't even know what alarm it is.

SPEAKER_02 22:20

So let's talk about money myth number. Money myth number five. Money myth number five is we'll figure it out when uh we make more. Now, this is similar to one, but it's a little different because number one was like, um, making more money will solve all the problems. But now number five is well, we'll figure it out, so we're not gonna even deal with it, right? And not dealing with it at all is just a huge issue. I was so money based number five, I was saying is similar to one. So number five is we'll figure it out when we make more, right? That's similar to one because um number one was more money will sort of make everything better. So slightly different, but I was saying for me, when you say number five, oh, we're figuring out when we make more money, you just don't need to deal with it at all. You're like, hey, I don't even know. Yeah, you just ignore the problem. One day in whenever, we'll deal with it when we make more money. So for me, I believe that again, this one sort of started with just people not wanting, couples not wanting to really deal with the issue at hand. So it's easy to just say, well, we'll deal with it when we have more.

SPEAKER_00 23:36

Ignorance is bliss.

SPEAKER_02 23:38

Or just ignoring this bliss. Correct. That's the thing. Ignorant is bliss. No, you don't make enough because for me, just the way I'm wired, you know, if I don't make enough, I'm gonna figure out ways to make it enough. Right?

SPEAKER_00 23:50

What side hassles we could do, what jobs we can pick up. We've always done that. Correct, always tried to work more than one.

SPEAKER_02 23:56

Correct. We're gonna figure out what's next, like what's the next thing. And again, you know, like it is sacrificial for everyone involved, whether that's the husband or the wife, someone's gonna have to sacrifice, everyone's gonna have to sacrifice somewhere to make this thing work, you know. Um, I was just looking at our I just posted on social media, I think today, the other day, uh, our picture that we took at Ring Solutions of us doing the debt free screen. Someone caught the picture of us actually screaming. Um, and that picture actually just makes me so emotional in a great way. Because I remember crying? No, not that cry.

SPEAKER_00 24:34

Oh, you never cries.

SPEAKER_02 24:35

I was just, it just makes me emotional because all of the work and sacrifice and you know, all of the years of self-doubt and stuff for me were like, they were just erased because I didn't even think about self-doubt that you could even do it.

SPEAKER_00 24:52

See, I've always believed in you so much that I'm like, you got this, babe.

SPEAKER_02 24:57

Yeah. So like that picture, so like that whole we'll figure it out when we have more money is just a it's just a horrible one. I sort of relate it to like what if, you know, what if we would have I mean, we did this for a little while. I did this for a little while. I'm just saying, well, I'll pick out those student loans when I make more money. Yeah, right, and then I'll make more money, and then things will get allocated, and then we just sort of continually kick that can down the road. And for us, it was about a total of 15 years. We let interest grow, and uh, such a headache. It really makes me upset when I think about it. But it's over. It's water on the bridge, it's okay. We paid it off, pay off $203,000 in 27 months. Actually, a little bit less than that, but I couldn't bring myself to make the big payment at the end, so I sat on it for a couple months. But there's neither here nor there. So, um, you know, we'll figure it out when we make more money. I think that one way that you deal with that, like successful couples that are on the same page, it's a simple way you deal with it. You figure it out right now.

SPEAKER_00 26:02

But what if you can't do anything with that?

SPEAKER_02 26:03

Well, I I see I do not believe that you can't.

SPEAKER_00 26:06

What if you're like down to zero money and then you have the student loan? But I have zero money left.

SPEAKER_02 26:12

Okay, so you okay, so you know me well enough. What is what do you think my answer to that would be?

SPEAKER_00 26:19

Make more money, get a job, another one, and another one, and another one.

SPEAKER_02 26:25

Okay, okay. I mean that you I mean again, it's sacrificial.

SPEAKER_00 26:30

I've always had multiple jobs.

SPEAKER_02 26:32

I think it's sacrificial, like whole marriage. Like there has to be sacrifice.

SPEAKER_00 26:36

I know.

SPEAKER_02 26:36

And like, yes, it is uncomfortable.

SPEAKER_00 26:38

Yes, you do lose sleep. Yes, there is such a thing when people say, Oh, I never slept. Like, no, that that's a thing. Like, people sleep maybe one or two hours, not healthy, but people do what they gotta do. We did what we had to do. Yeah, I mean, yes, plenty of people do what they have to do, especially nowadays with remote working and stuff like that. It's possible.

SPEAKER_02 26:58

So if you're listening, like I challenge you guys, like, figure it out, man.

SPEAKER_00 27:01

Yeah.

SPEAKER_02 27:02

Figure it out. You can reach out to us.

SPEAKER_00 27:04

Um, and you have talent somewhere that can be used to money.

SPEAKER_02 27:08

Correct, correct.

SPEAKER_00 27:09

He's met so many talented people and didn't even know it.

SPEAKER_02 27:12

Again, I keep emphasizing it's sacrificial, right? You're gonna have to sacrifice. You're not sacrifice time, fleet, at least for a season. It's not forever for the most part. Like, it's not forever. Hopefully. No, it's definitely not forever, but what if you love it?

SPEAKER_00 27:27

And you just keep doing it. Great.

SPEAKER_02 27:29

Yeah, yeah, yeah. But like, it's not forever, but you like it's gonna be for I wanna see Ramley Solution. They've done a couple studies and they figured out most people that um get serious about the debt, regardless of the number, it usually takes them about 28 months or something like that, 29 months. Um, again, when we did our math, we were on the assumption it's gonna take about five years. Yeah. But like they talk about, you find a way. When you get laser focused on that debt, you just start finding ways. You you may find a quarter on the ground and put it in your bank account and pay 25 cents extra on that debt. Like you're just going to find a way. Right. So, anyone listening to this that has some debt and you want to get out of it, just get laser focused on it, and it is going to change. You can become debt-free and start building wealth. And again, you can apply that to your retirement too. Let's say you have no debt, but you don't have a lot of retirement.

SPEAKER_00 28:25

Right. Well, or savings.

SPEAKER_02 28:27

Or savings, correct.

SPEAKER_00 28:28

Yeah.

SPEAKER_02 28:28

You have to get hyper focused on that goal when it comes to your money, so that you can get to where you want to be, right? Um, because I love being where we are right now. Again, like you say, there's still ebbs and flows, right? It doesn't feel great all the time. At times, even me, I'm like, ah, I wish I made more money. But like if everyone says that, right? Right. Um, but I'm trying, we're trying to do a phenomenal job of stewarding everything that we have right now, and that's really what we um we don't always get it right. But for the most part, we do. Yeah, yeah, for sure. You know, we don't always get it right.

SPEAKER_00 29:04

We have a lot of people we consult with before making financial decisions.

SPEAKER_02 29:07

Yeah. I mean, I try to find the people that have gone before me, people that uh we don't want to reinvent the wheel. Correct. Find people that I look up to financially, and I have them on speed now. When I have a money question, I call one person in particular, but there's a couple few I can call, and they're gonna sort of the gathering of the minds, and I'm gonna make a decision based on what I've learned from them. Because why would I try to, like Christina said, why would I try to reinvent the wheel um if I don't have to? So those five money bits, guys, I want you to talk about that with your spouse, with your partner. Um because those can change. And if you're single, deal with these questions internally and get them done, right? Get them done. Because um, I really do believe this can change everything that you're doing when it comes to your money. You have anything you want to add?

SPEAKER_00 30:04

I just have a question.

SPEAKER_02 30:05

Yes.

SPEAKER_00 30:07

To you guys, which of these have been living rent-free in your marriage? So let's go over them. The first one, more money for problems.

SPEAKER_02 30:17

Yep, more money will solve the problems. That's number one.

SPEAKER_00 30:20

Yep, we'll solve the problems.

SPEAKER_02 30:22

More money. So so so which one of these have been living rent-free in your marriage?

SPEAKER_00 30:27

In your marriage.

SPEAKER_02 30:28

So more money will solve the problems. Two, um, talking about money will kill uh the romance. Three, as long as the bills are paid, we're happy. Um, four was one person handles all the money. And five was, oh, we'll figure it out when we make more money. Right?

SPEAKER_00 30:47

Don't worry about it later.

SPEAKER_02 30:48

So, yeah, we just worry about it later when we make more money. So, which one of these has been living free? Living rent-free in your marriage. Which one, right? Comment.

SPEAKER_00 31:00

Or two or three.

SPEAKER_02 31:02

Send us the answer.

SPEAKER_00 31:03

For us, it was all five.

SPEAKER_02 31:05

Whatever you want. Because I really do believe us talking about again, guys, like we've only been doing this for about well, we sort of brought it back out six, seven weeks ago. And some of the conversation and messages that we're getting already so good makes it like worth it. Like it really does. Like it really does.

SPEAKER_00 31:26

Because I know that this is not my thing at all. Yes, but when I get these messages and the encouragement, and then um I can walk some things out with some people, that makes it worth it to me.

SPEAKER_02 31:39

So that's good. So, guys, um we're going to end it right there. So, as always, tell a friend to tell a friend to tune in, and we will chat with you guys next week. All right.