Matrimony & Money Podcast

We did it. $203,000 gone in just 27 months — while raising three kids and running two businesses.

In this episode, Sherman and Cristina share the raw truth behind their debt-free journey. From the scary first budget meeting (it looked like five and a half years at first) to strict cash envelopes, surprise flat tires, and fighting lifestyle creep when income started rising.

Sherman opens up about the final big payment — how he hesitated, almost backed out, then cried alone at the computer when it finally hit. Cristina talks about the real sacrifices, the unexpected expenses that shocked her, and how they stayed content instead of trying to keep up with everyone else.

They also talk about the faith side — how God saw their hard work and multiplied it in ways they never expected.

You’ll walk away with four simple, practical steps that actually work:

• Zero-based budget (every dollar has a job)
• Track your spending and plug the leaks
• Increase your income
• Set regular money dates with your spouse

If you’re feeling stuck in debt, this episode will fire you up. Your comeback story could be next.

🎧 Listen now and start your own debt-free journey.

Grab our free Money Date guide at matrimonymoney.com

Tell a friend who needs this — share it!

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

What if the real reason you’re stuck isn’t a small paycheck… it’s the lie you keep telling yourself?

In this raw, funny, and eye-opening episode, we spill the tea on our broke days: calculator in hand at Publix, coupon chaos, endless eggs and sodas, and putting stuff back because the budget said no.

We expose the #1 money myth that traps couples: “If we just made more money, everything would fix itself.”

Spoiler: More cash without better habits just means more spending. We did it the hard way — paid off $203,000 in 27 months while raising kids. It sucked sometimes, but it worked.

You’ll laugh, relate, and get simple fixes:

• Track every dollar for 30 days (no judgment)
• Plug one sneaky leak (hello, eating out)
• Set tiny weekly wins together

Stop the cycle. Build real wealth as a team.

Grab our free Money Date Night Kit at matrimonymoney.com and start talking money tonight.

If you’re tired of feeling broke no matter what you earn, this episode is your wake-up call.

Listen now. Share with your spouse. Tell a friend who needs this.

New episode drops weekly — don’t miss it!

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

Most couples fight about money. It creates stress, secrets, and resentment that slowly destroys marriages. But it doesn’t have to.

In this solo episode, I share simple, practical steps for married men (and single men planning ahead) to take the lead on money and protect your relationship.

You’ll learn:

• Why regular money dates beat money fights
• How to build a team budget that actually works
• The power of budget discipline and delayed gratification
• How to kill lifestyle creep and secret spending
• Why term life insurance is non-negotiable for your family
• Facing your real debt numbers and asking for help

Income doesn’t matter as much as habits. Whether you make $50k or $400k, talking openly and planning together changes everything.

Married men: Schedule one money talk with your wife this week.
Single men: Start tracking every dollar now.

Listen in, take action, and build the marriage and money future you both want.

Resources and free tools linked in the show notes.

Drop a review if this hit home, and share it with a brother who needs it.

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

In this solo episode of Matrimony and Money, Sherman gets real with the guys.

He shares practical tips on staying pure in your mind and actions — cutting out porn, setting up safeguards like Covenant Eyes, sharing all passwords, and avoiding things like “work wives.”

He explains why protecting your money protects your family: getting debt-free, planning for retirement, and not depending on the government when you’re older.

You’ll also hear why regular date nights and yearly trips with your wife matter, plus advice for single men who want to prepare now. Sherman talks from 21 years of marriage — the wins, the mistakes, and what actually works.

Straight talk for men who want strong marriages and a solid future.

If you’re a husband or hoping to be one, this one’s for you. Share it with a brother.

(Every Man’s Battle book linked in the show notes.)

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

Sherman and Cristina talk openly about one of the biggest fights in marriage: money. They share why they combined everything from day one and why treating finances like roommates usually backfires. Real talk, funny stories, and simple steps to get on the same page.

Key Topics Covered:

• Why separate accounts can create secrets, bitterness, and distance
• The power of "one bucket" – two become one in every way, including money
• Their story: Married at 22, different incomes, but chose unity from the start
• The famous shirt story – impulse buys, FOMO, and learning to wait for a yes from your spouse
• How to handle "fun money" without guilt
• Why people overspend on eating out and stuff (and when it's actually okay)
• Teaching kids about money so they don't repeat bad habits

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

Quick Summary

Sherman and Christina talk openly about financial infidelity — hiding spending, secret purchases, or not being fully honest about money in marriage. They share real stories from their own 21-year marriage and give practical steps to fix it.

Key Stories

• Sherman surprised Christina with a Mexico trip using a car accident settlement instead of paying debt. She was upset at first, but it became their favorite vacation and started their love for travel.
• Christina admits to impulse buys on sale items and hiding packages. They both laugh about it but stress it’s not okay if it breaks trust.

Main Points

• Marriage means becoming one — combine all money into one account. No separate accounts or “my money / your money.”
• Financial infidelity usually comes from shame, fear of arguments, or pride — not always bad intent.
• Men often need accountability. Women sometimes hide buys because they don’t want to ask or feel controlled.
• Hiding spending hurts trust and keeps couples stressed.

3 Action Steps This Week

1. Full Disclosure Talk — Sit down and tell your spouse everything you’ve been hiding (secret accounts, extra spending, etc.). Wipe the slate clean.
2. Set a Budget + Spending Rules — Create a budget together. Agree on a dollar amount where you must talk first (example: anything over $500).
3. Weekly Money Meetings — Schedule regular check-ins. Talk about money, then go on a date after if you can.

Hosts’ Tip

Put a set amount into a “fun/spending” sub-account for gifts and personal buys so there’s no sneaking, but everything stays visible.

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

In this episode, Sherman and Crristina get real about one of the most dreaded (yet powerful) habits in marriage: the Money Date.

If money talks in your relationship often feel like a vibe killer, spark arguments, or leave you both stressed, you’re not alone. The couple shares exactly why these conversations go wrong and how to completely transform them into fun, productive, and even romantic check-ins that actually move you closer to financial freedom.

From setting the right mood (goodbye Chili’s!), asking the tough but eye-opening questions, using the debt snowball method for quick wins, and turning it into a family affair, Sherman and Cristina give you a practical framework they used while paying off massive debt. Cristina also shares why these meetings used to drain her and how they’ve improved their communication and marriage.

You’ll walk away with actionable steps, including how to end every Money Date with clear goals and the next one already on the calendar.

Key Topics:

• Why most money dates fail and how to make them enjoyable
• Powerful questions that reduce stress and build alignment
• Debt Snowball vs Avalanche – why motivation beats math
• Involving the kids and making it a team effort
• Their upcoming rebrand and what’s next for Matrimony & Money

Whether you’re deep in debt or building wealth, this episode will help you turn monthly money meetings into one of the strongest parts of your marriage.

🎧 Download our free Money Date Guide in the show notes and schedule your next one this week!

Submit your questions: [email protected]
Website: www.matrimonymoney.com

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

Do you and your spouse fight about money — or just avoid the conversation entirely? In this episode, Sherman and Cristina get real about their own money personalities and why understanding yours might be the key to finally getting on the same page.

They break down the four money personalities — Saver, Spender, Avoider, and Planner — and share how their opposite styles have actually strengthened their marriage and their finances.

In this episode:
• The 4 money personalities and how to spot yours
• Why opposites attract (and how to make it work for you, not against you)
• Sherman and Christina's honest take on their own money journeys
• Why loaning money to family and friends almost always goes wrong
• How they paid off $203,000 in debt — faster than expected
• Why contentment is the secret weapon no one talks about

Take the free money personality quiz at www.no-debt-life.com

Want your questions answered on the show? Email us at [email protected]

If this episode helped you, share it with a couple who needs to hear it. And don't forget to subscribe on Apple Podcasts, Spotify, or YouTube!

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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

In this episode — the first time Cristina has joined Sherman on the mic — the Merricks get completely real about what 14 years of carrying $203,000 in debt actually looked like inside their marriage. Not the highlight reel. The real thing.

From coupon date nights and putting groceries back on the shelf, to Cristina's heart surgery in the middle of it all, to the night a Sally Mae phone call at a movie theater in Tennessee changed everything — this is the story behind the story.

And at the very end? Sherman admits for the first time that making those big $15,000 debt payments sometimes took him out of the mood. Cristina's response? "I was just happy about it."

As featured on The Dave Ramsey Show, Fox News, and Fox Business.

IN THIS EPISODE:
— What it felt like to carry $203K in debt for 14+ years
— How Cristina managed the budget to the penny before budgeting apps existed
— The moment at Dave Ramsey's headquarters that lit a fire under them both
— Why Cristina kept herself from knowing how much money they were making (on purpose)
— How COVID's student loan pause became an unexpected turning point
— The honest conversation about how debt and big payments affected their intimacy
— Why they never actually fought about money — and what that says about their dynamic
— Tithing, faith, and believing God was in it all along


FREE RESOURCE:
Grab the free Couples Money Date Guide — the conversation format Sherman and Cristina used throughout their debt-free journey.
👉 linktr.ee/1matrimonyandmoney

CONNECT WITH US:
Instagram: @no_debt_life
Apple Podcasts: https://podcasts.apple.com/us/podcast/matrimony-money-podcast/id1527316527
Spotify: https://open.spotify.com/show/1hL94k43BSFPFEXmreQ8Un

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

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 

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money 

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

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