Few things reveal the strength of a couple’s unity quite like money. Financial decisions touch nearly every part of married life—from daily spending and long-term planning to generosity, security, and the future.
But money does not have to remain a source of tension. When couples approach their finances with transparency, shared purpose, and a biblical understanding of stewardship, money can become a tool that strengthens their marriage and supports what God has called them to do together.
Dr. Art Rainer, founder of Christian Money Solutions and the Institute for Christian Financial Health, as well as the author of The Rich Couple: 30 Days of Following God’s Design for a Financially Healthy Marriage, joins the show today to share that a “rich couple” has little to do with the size of a bank account. Instead, it means becoming rich in contentment, purpose, unity, and generosity.
Redefining What It Means to Be Rich
Our culture often defines a rich couple as one with a high income, an impressive home, or a large investment portfolio. But financial wealth can disappear, and continually chasing more often produces comparison rather than contentment.
A truly rich couple recognizes that everything they have belongs to God. They understand that they are stewards—not owners—of the resources He has entrusted to them.
That conviction changes the purpose of money. Instead of asking only, “How can we accumulate more?” couples can begin asking:
How can we faithfully manage what God has provided?
How can our finances reflect our shared values?
How can we use what we have to serve others?
What does contentment look like in this season?When contentment is rooted in Christ and financial decisions are guided by God’s purposes, couples can experience a kind of richness that circumstances cannot easily take away.
Moving From “Mine” and “Yours” to “Ours”
Genesis 2:24 describes marriage as two people becoming one flesh. That oneness includes more than physical or emotional intimacy. It also shapes how couples view their possessions, income, debt, goals, and generosity.
Marriage is a covenant, not merely a contract. Rather than guarding separate financial territories, a husband and wife can learn to approach money as teammates.
Practically, this requires complete financial transparency. Both spouses should understand what the household earns, owes, owns, spends, saves, and gives. For many couples, this may involve shared accounts and passwords. For others, the account structure may differ, but openness and mutual accountability should remain nonnegotiable.
Even language can reinforce unity. Saying “our income,” “our debt,” and “our generosity” reminds both spouses that they are working toward a shared future.
A brief monthly financial meeting can also help. Couples can review their progress, discuss upcoming expenses, and make important decisions together. Establishing a spending threshold—an amount neither spouse spends without first consulting the other—can reduce surprises and build trust.
Unity rarely happens accidentally. It grows through intentional habits.
Remember That Marriage