Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection? Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.”

Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.

Why You Need to Talk About Money—Intentionally

Many couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens.

On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully?

That’s the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable.

Turning Financial Talks Into Dates

These aren’t meant for finger-pointing but for course correction—a time to realign your financial goals with your values.

But also, why not make it a date? Dating can be a lot of fun if you’re intentional. So why not combine something enjoyable with something that’s often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful.

The key is consistency. Whether it’s over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust.

Money Date #1: Share Your Money Story

Every person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences.

Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today.

Take your spouse out for dinner and share those stories. You’ll gain empathy and understanding for each other’s perspectives. When you know your partner’s money story, their spending or saving habits make a lot more sense.

Try this: Ask each other, “What’s your earliest memory of money?” The answers may surprise you—and bring you closer.

Money Date #2: Give Together

Generosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey:

Set a giving goal. Track your family's progress and celebrate milestones together.

Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about.

Create a stretch goal. As your income grows, commit to increasing your giving percentage over time.

These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact.

Money Date #3: Cook the Books

This one’s both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm:

• Who tracks expenses?
• What budgeting tools or apps will you use?
• How often will you review spending?

The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center.

Money Date #4: Check Your Credit (at the Spa!)

Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It’s relaxing—and you can often find affordable day passes.

While you unwind, discuss:

• How much debt do you currently carry?
• How did your family handle debt growing up?
• What boundaries would you like to establish regarding credit use?

This isn’t about blame. It’s about caring for each other and agreeing on a plan that both of you believe in.

Money Date #5: Number Your Days

This one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”

Couples should view estate planning as an act of love and care. When you prepare a will, name a guardian, or establish a power of attorney, you’re doing something deeply selfless—caring for others even after you’re gone.

Spend a date identifying:

• Who will serve as executor or guardian for your children?
• How do you want your assets used to bless others?
• What legacy of faith and generosity do you want to leave behind?

Growing Together Through Financial Stewardship

Money dates are about far more than numbers. They’re about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity.

When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God.

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Dr. Enete’s full article, “Six Great Money Dates,” appears in the 2nd issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you’ll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.

On Today’s Program, Rob Answers Listener Questions:

• My employer closed over six months ago, and I’ve been unemployed since. My unemployment benefits are gone, and I’m paying my mortgage and bills from savings, which are running low. I’ve owned my home for over 30 years and have good credit. How can I protect my home, and is mortgage forbearance a good option without hurting my credit?
• I own a condo, and our HOA has issued two large special assessments for roof repairs—first $1,000 per unit for several months, and now another $781 per month. The original contractor was paid and disappeared. Are there government agencies that can investigate or protect owners in this situation, and what rights do I have?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Six Great Money Dates (Article by Dr. Shane Enete - Faithful Steward: Issue 2)
• Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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