Money often causes tension in relationships, but it doesn't have to. Nate and Bethany Smith share their expertise on creating financial harmony through better communication, understanding each other's money stories, and developing shared goals.

• Understanding your partner's "money story" helps build empathy and reduces financial conflict
• Creating a "spending and savings plan" feels more empowering than a restrictive budget
• Pay yourself first by prioritizing savings before other expenses
• Rule of 72 shows how your money doubles (divide 72 by your interest rate)
• Teaching kids early money habits and the time value of money sets them up for success
• Changing your environment (walks, weekend getaways) creates better financial conversations
• Awareness of where money goes and having a plan prevents financial stress
• Having a vision for your future makes daily money decisions easier
• Understanding the psychology behind money decisions is as important as the math

Contact Nate and Bethany at @yourcashflowcouple on Instagram or visit howmoneyworks.com/NateSmith or howmoneyworks.com/BethanySmith to book a free consultation.

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