Welcome to the course
FAMILY FINANCE
Mastering the Art of Money Management in Marriage
Money is the number one source of conflict in marriage. But it doesn't have to be. This course provides biblical foundations, practical strategies, and psychological insights to help you build financial unity, eliminate money fights, and create lasting wealth together.
HOW TO TAKE THIS COURSE: Money is the number one source of conflict in marriage. But it doesn't have to be. This course provides biblical foundations, practical strategies, and psychological insights to help you build financial unity
Expectation
A leading cause of divorce
Everybody enters marriage with expectations. These expectations are hidden rules that form our reality of how a marriage should function. These expectations are usually unconscious (hidden) rules that we expect our partner to comply with.
Expectation
A leading cause of divorce
Everybody enters marriage with expectations. These expectations are hidden rules that form our reality of how a marriage should function. These expectations are usually unconscious (hidden) rules that we expect our partner to comply with.
Meet the author
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Lloyd Allen is a Theologian, Author, and Speaker, and the Founder and CEO of Fixing Marriages Academy, Inc. Trained as a Marriage and Family Therapist at Barry University, with honors, Lloyd brings 30 years of experience helping couples around the world repair, restore, and rebuild their marriages. Happily married and the father of two, Lloyd's greatest passion is helping you build a happy, loving marriage that lasts.
TABLE OF CONTENTS
MODULE 1: FINANCIAL FOUNDATIONS IN MARRIAGE Building Biblical Unity, Understanding Your Money Story, and Becoming One Financially
DO THIS FIRST:
PRE-COURSE ASSESSMENT.
This helps you to measure your progress
Where are you now in your marriage?
MODULE 1: FINANCIAL FOUNDATIONS IN MARRIAGE Building Biblical Unity, Understanding Your Money Story, and Becoming One Financially STEWARDS NOT OWNERS You don't own anything. Not the house. Not the car. Not the paycheck. God does. The moment you internalize this truth, everything changes. You're not the owner—you're the manager. And managers answer to someone higher. This shift from ownership to stewardship transforms how you earn, spend, save, give, and fight about money. Psalm 24:1 declares "The earth is the Lord's and everything in it." Your bank account? His. Your retirement fund? His. Stewardship means you'll give an account. Luke 12:48 warns "From everyone who has been given much, much will be demanded." This mindset eliminates entitlement and creates accountability between spouses. When you both answer to God, you can't manipulate each other. **TWO BECOMING ONE FINANCIALLY** Separate checking accounts in marriage signals something's broken. Genesis 2:24 says "the two become one flesh." Not one flesh with separate finances. One. This means shared accounts, shared access, shared responsibility, and shared consequences. Joint accounts create full transparency. When both spouses can see every transaction, secrecy dies. You can't make unilateral decisions when the other person sees every charge. This healthy friction prevents impulse spending and forces communication. You married different—different money personalities, childhood scripts, spending habits, and saving goals. That's not a bug, it's a feature. God designed marriage to bring together complementary opposites. The spender needs the saver. The problem isn't the difference—it's refusing to integrate the difference into one unified financial life. **UNDERSTANDING YOUR MONEY STORY** You absorbed your money beliefs as a child, watching how your parents handled money. Every argument about bills, every anxious conversation about debt formed unconscious beliefs—money scripts—that still run your financial life today. Money scripts are subconscious beliefs: "Money is scarce," "Rich people are greedy," "Debt is normal." These scripts drive behavior automatically. If your script says "money is for security" and your spouse's says "money is for enjoying life," conflict is inevitable until you reconcile them. You're also wired differently. Distinct money personality types exist: spenders, savers, avoiders, money monks, and status seekers. None is inherently wrong, but unchecked, each becomes destructive. Your money story also includes wounds—financial trauma from childhood that surfaces as irrational fears and compulsive behaviors. Healing requires naming the wound and responding with compassion instead of criticism.
MODULE 2: ROLES, RESPONSIBILITIES & POWER DYNAMICS Who Manages the Money, When Both Must Agree, and Navigating Income Inequality
MODULE 2: ROLES, RESPONSIBILITIES & POWER DYNAMICS *Who Manages the Money, When Both Must Agree, and Navigating Income Inequality* **WHO SHOULD BE MINISTER OF FINANCE** The person best equipped should manage the money—not automatically the husband or wife. Giftings trump gender. Look for four criteria: detail-oriented nature, financial knowledge, emotional calm under pressure, and time availability. Whoever scores highest handles day-to-day administration like paying bills and tracking spending. Here's the key distinction: managing isn't deciding. The manager handles logistics while major decisions require both spouses' agreement. The non-managing spouse must stay informed—ignorance isn't partnership, it's irresponsibility. Be flexible enough to reassign the role if circumstances change. Proverbs 31 shows a wife successfully managing business, real estate, and household finances with her husband's full confidence. **WHEN MUTUAL CONSENT IS REQUIRED** Set a dollar threshold above which both spouses must agree before spending. Below the threshold, autonomy. Above it, mandatory agreement. Scale the threshold to your income: perhaps $200 for households earning $40K annually, or $1,000 for those earning $200K. Both spouses get equal veto power regardless of who earns more—marriage is partnership, not financial hierarchy. Six categories always require consent: taking on debt, making investments, giving major gifts to family, job changes affecting income, relocating, and creating ongoing financial obligations. Emergency purchases are allowed but require immediate disclosure afterward. Review and adjust your threshold annually. **WHEN THE WIFE EARNS MORE** Twenty-nine percent of wives out-earn their husbands, and that percentage is rising. Income inequality doesn't have to destroy unity. Reframe the narrative: providing isn't just financial—emotional provision, spiritual leadership, and partnership all count. Celebrate your spouse's success rather than competing with it. Gratitude preserves intimacy; jealousy poisons it. The higher earner doesn't get more decision-making power. Address male ego directly by separating masculine worth from paycheck size—a man's value comes from serving his family well, not from his income. Maintain complete financial transparency and equality regardless of who earns more. Proverbs 31 celebrates a wife whose trading is profitable, proving that biblical marriage celebrates mutual success rather than feeling threatened by it.
MODULE 3: MONEY SYSTEMS & MODES OF OPERATION Joint Accounts, Bill Splitting Strategies, and Creating Financial Transparency
MODULE 3: MONEY SYSTEMS & MODES OF OPERATION Joint Accounts, Bill Splitting Strategies, and Creating Financial Transparency* MODE OF OPERATION Every couple needs a clear mode of operation—a system that defines how money flows in and out. The three common modes are: full joint (all income goes into one account), hybrid (joint account for shared expenses, separate for personal spending), and separate (individual accounts with calculated contributions). Full joint creates maximum transparency and unity, but requires high trust and communication. The hybrid model gives autonomy while maintaining shared responsibility. Each spouse contributes to joint expenses, then manages personal money independently. Separate accounts often signal trust issues or preparation for divorce—keeping financial escape routes open. The best mode depends on your trust level, communication skills, and financial complexity. Whatever mode you choose, both spouses must have full visibility into all accounts. Secret accounts destroy trust. Your mode of operation should simplify your life, not complicate it. If tracking multiple accounts creates stress or enables avoidance, consolidate. The goal is unity, not scorekeeping. **SHOULD YOU SPLIT BILLS** Bill splitting sounds fair but often breeds resentment. When couples divide expenses 50/50 or proportionally by income, they're treating marriage like roommates sharing rent. "I paid utilities, you paid groceries" creates a transactional mentality that undermines intimacy. Biblical marriage calls for pooled resources, not divided ledgers. When both incomes flow into shared accounts and all expenses come from shared funds, you eliminate scorekeeping. You're partners, not business associates. If one spouse earns significantly more, proportional splitting seems equitable but still maintains separation. The solution is complete financial integration. All income becomes "our money." All expenses come from "our budget." This requires higher trust and communication, but it builds unity. Stop tracking who paid what. Start thinking "we're paying our bills together." **NAMES ON BANK ACCOUNTS** Both spouses' names should be on all accounts—checking, savings, investments, credit cards. Joint ownership creates transparency, access, and legal protection. If one spouse dies unexpectedly, the survivor needs immediate access to funds for bills, funeral expenses, and daily living. Sole-name accounts create power imbalances and vulnerability. The account holder controls access. The excluded spouse has no legal rights if the relationship deteriorates or death occurs. Joint accounts force both spouses to see all transactions, preventing financial infidelity. Some couples keep one individual account for gift purchases or personal spending, but the primary operating accounts should be joint. Full financial transparency isn't about control—it's about partnership. When both names are on the accounts, both spouses share equal responsibility and equal access.
MODULE 4: BUDGETING, GIVING & RECEIVING Zero-Based Budgeting, Managing Irregular Income, and Navigating Gifts with Strings
MODULE 4: BUDGETING, GIVING & RECEIVING Zero-Based Budgeting, Managing Irregular Income, and Navigating Gifts with Strings* SHOULD YOU MAKE A BUDGET Yes. Every couple needs a budget. A budget isn't restrictive—it's liberating. It tells your money where to go instead of wondering where it went. Without a budget, you're flying blind, fighting about spending, and wondering why there's never enough. A budget creates agreement, eliminates surprises, and builds financial unity. Zero-based budgeting works best: every dollar gets assigned a job before the month begins. Income minus expenses equals zero. This forces intentionality. You prioritize together, allocate together, and adjust together. When unexpected expenses arise, you decide together what budget category to reduce. Budget monthly with your spouse. Sit down before the month starts, review income, list expenses, assign every dollar, and agree on the plan. This isn't about restriction—it's about freedom within boundaries. When you both agree on the budget, you eliminate 80% of money fights before they start. **HOW TO REGARD A GIFT** A gift is something given freely with no strings attached and no repayment expected. If the giver expects something in return—control, gratitude displays, behavioral changes, or future reciprocation—it's not a gift, it's a transaction. Understanding this distinction protects your marriage from manipulation. When family gives money, clarify expectations immediately. Is this a gift or a loan? If it's a gift, can we use it as we see fit, or do you have stipulations? Get clarity before accepting. Many couples accept "gifts" that come with invisible strings—then face resentment when they don't meet unstated expectations. Genuine gifts honor the receiver's autonomy. Proverbs 18:16 says "A gift opens the way for the giver." True generosity blesses without controlling. If someone's "gift" comes with conditions, expectations, or guilt trips, it's not a gift—it's leverage. You have the right to decline. **GIFTS WITH STRINGS ATTACHED** When family offers money with conditions—"We'll help with the down payment if you buy near us" or "We'll pay for the wedding if we approve the venue"—recognize the hidden cost. String-attached gifts create power imbalances, resentment, and ongoing obligation. The giver maintains control long after the check clears. Protect your marriage by setting boundaries. Either negotiate acceptable terms upfront, decline the gift, or accept it knowing you're accepting the strings too. Don't take money assuming you can ignore the conditions later—that creates conflict. Be honest about what you're willing to accept. Sometimes the wisest choice is refusing financial help that compromises your autonomy. Proverbs 15:27 warns "The greedy bring ruin to their households." Greed for free money can enslave you to others' expectations. Financial independence, even if it means waiting longer or sacrificing more, preserves your marriage's freedom and unity.
MODULE 5: EXTENDED FAMILY & BLENDED FAMILIES Supporting Step-Children and In-Laws, Setting Boundaries, and Enabling vs. Helping
MODULE 5: EXTENDED FAMILY & BLENDED FAMILIES Supporting Step-Children and In-Laws, Setting Boundaries, and Enabling vs. Helping SHOULD YOU SUPPORT STEP-KIDS Yes, but with wisdom and clear agreements. When you marry someone with children, you're accepting financial responsibility for those children as part of your covenant. Step-children aren't optional expenses—they're your family now. Child support, medical expenses, education costs, and daily needs all become shared marital expenses. The challenge comes when biological parents and step-parents disagree on spending levels. One spouse might want private school while the other sees it as excessive. One might support a college fund while the other believes kids should earn their own way. These conflicts require honest conversation before marriage. Establish a financial framework together: What expenses are non-negotiable? What requires mutual agreement? How do we balance supporting step-children with building our own family's future? Both spouses must commit to supporting the children, even when the non-biological parent feels the biological parent is overly indulgent or insufficiently strict. SHOULD YOU SUPPORT IN-LAWS Biblical responsibility to parents is real but limited. First Timothy 5:8 says "Anyone who does not provide for their relatives... has denied the faith." But providing doesn't mean unlimited financial support or sacrificing your nuclear family's stability. Honor your parents, yes. Enable their dysfunction, no. Supporting in-laws requires spouse agreement. If your parents need help, discuss it with your spouse first. Both must agree on the amount, duration, and conditions. Unilateral financial support of parents creates marital resentment and financial strain. Ask hard questions: Is this temporary crisis help or long-term enabling? Are we supporting genuine need or subsidizing irresponsibility? Can they work? Have they mismanaged their own money? Your first financial responsibility is your spouse and children. Supporting parents is secondary and should never jeopardize your own family's security. SUPPORTING EXTENDED FAMILY Extended family—siblings, cousins, aunts, uncles—falls outside biblical obligation. Helping them is generosity, not duty. Every request for financial help must receive spouse agreement. Loaning money to family members rarely ends well. Most family loans aren't repaid, destroying both the money and the relationship. If you choose to help, give rather than loan. Loans create expectation and resentment. Gifts maintain relationship health. But only give what you can afford to lose completely. Proverbs 22:7 warns "The borrower is slave to the lender." Don't enslave family members to you through loans. Set clear boundaries: We help once with agreed amounts. We don't fund ongoing lifestyle expenses. We don't enable addiction, laziness, or financial irresponsibility. We don't sacrifice our own family's security to rescue adults who won't help themselves. Compassion requires wisdom, not unlimited resources.
MODULE 6: BUILDING GENERATIONAL WEALTH Creating Economic Foundations for Children, Teaching Financial Literacy, and Using Trust Funds Wisely
MODULE 6: BUILDING GENERATIONAL WEALTH Creating Economic Foundations for Children, Teaching Financial Literacy, and Using Trust Funds Wisely ECONOMIC BASE FOR CHILDREN Building generational wealth means creating an economic foundation your children can build upon. This isn't about making them rich—it's about giving them a head start. Proverbs 13:22 says "A good person leaves an inheritance for their children's children." Generational thinking requires sacrificing immediate consumption for long-term family benefit. Start by eliminating debt and building assets. Own your home. Invest consistently. Create multiple income streams. Build a business your children can inherit or learn from. Every financial decision should ask: does this build our family's long-term economic base or consume it? The goal isn't leaving your children wealthy enough to be lazy. It's providing enough foundation that they can pursue purpose without starting from zero. Education funding, down payment assistance, business capital, or inheritance—whatever form it takes, generational wealth requires intentional planning and delayed gratification today. TEACHING CHILDREN ABOUT MONEY Financial literacy isn't taught in schools—it's taught at home. Your children learn about money by watching you handle it. Every spending decision, every budget conversation, every giving act teaches them what money means and how to use it. Start early with age-appropriate lessons. Young children learn through allowance and spending choices. Teenagers learn through bank accounts, part-time jobs, and budgeting. Young adults learn through student loan decisions, credit management, and investing basics. Each stage requires active teaching, not passive hoping they'll figure it out. Create learning experiences: let them fail with small amounts while young so they don't fail with large amounts later. Teach tithing, saving, and wise spending. Model contentment, generosity, and delayed gratification. Your financial legacy isn't just what you leave them—it's what you teach them. TRUST FUNDS AND EDUCATIONAL ACCOUNTS 529 education accounts and trust funds are powerful wealth-building tools when used wisely. 529s offer tax-free growth for education expenses. Trusts protect assets and control distribution timing. Both require understanding legal structures and tax implications before funding. The danger is creating entitled children who expect money without work. Structure distributions wisely: age-based releases, achievement-based incentives, or trustee discretion. Don't give large sums to immature children. Money without character destroys more than it builds. Use these tools to empower, not enable. Fund education that leads to productive careers. Provide down payment assistance that requires them to qualify for their own mortgage. Give business capital that requires a solid plan and personal investment. Generational wealth should launch children into purpose, not subsidize permanent dependence.
MODULE 7: PROTECTING YOUR FAMILY Life Insurance, Estate Planning, and Having the Difficult Conversations About Death
MODULE 7: PROTECTING YOUR FAMILY Life Insurance, Estate Planning, and Having the Difficult Conversations About Death INSURANCE ESSENTIALS Life insurance isn't about you—it's about the people who depend on your income. If your spouse or children would face financial hardship when you die, you need life insurance. Period. Term life insurance is affordable and straightforward: you pay premiums, and if you die during the term, your beneficiaries receive a payout. Calculate coverage by multiplying your annual income by 10-12, then add major debts like your mortgage. A person earning $60,000 annually with a $200,000 mortgage needs roughly $800,000 in coverage. Both spouses need coverage, including stay-at-home parents whose labor has monetary value in childcare, cooking, and household management. Avoid whole life or universal life insurance marketed as investments. These policies are expensive, complex, and benefit the insurance agent more than your family. Buy term life insurance and invest the difference. Disability insurance matters too—you're more likely to become disabled than die young. Protect your income-earning ability. DEATH AND INHERITANCE Death conversations are uncomfortable but necessary. Who gets what when you die? Without a will, the state decides—and state formulas rarely match your intentions. Blended families face especially complex inheritance issues: biological children versus step-children, ex-spouses versus current spouses, competing family claims. Create a will that clearly specifies asset distribution. Name guardians for minor children. Designate beneficiaries on retirement accounts and life insurance policies. Update these documents after major life changes: marriage, divorce, births, deaths. A will from 15 years ago naming your ex-spouse as beneficiary creates disaster. Discuss inheritance expectations with your spouse and, when appropriate, with adult children. Hidden expectations breed conflict after death. Clarity prevents family feuds. If you plan to leave unequal inheritances, explain why while you're alive. Don't let your death create sibling warfare. TRUST AND ESTATE PLANNING Trusts aren't just for the wealthy—they're for anyone wanting to control asset distribution after death and avoid probate. Revocable living trusts let you maintain control during life while ensuring smooth transfer at death. Irrevocable trusts protect assets from creditors and taxes but can't be changed. Estate planning includes powers of attorney for healthcare and finances. If you become incapacitated, who makes medical decisions? Who pays your bills? Without these documents, your spouse may need court permission to act on your behalf—a lengthy, expensive process during a crisis. Work with an estate planning attorney, not online templates. State laws vary. Family complexity requires professional guidance. The cost of proper planning is minimal compared to the cost of family conflict, probate court, and tax consequences. Protecting your family means planning for worst-case scenarios while hoping they never happen.
MODULE 8: DEBT, SAVINGS & BUILDING WEALTH TOGETHER Defeating Debt, Emergency Funds, Retirement Investing, and Biblical Generosity
MODULE 8: DEBT, SAVINGS & BUILDING WEALTH TOGETHER Defeating Debt, Emergency Funds, Retirement Investing, and Biblical Generosity DEFEATING DEBT AS A TEAM Debt is a thief that steals your present income to pay for your past. Proverbs 22:7 warns "The borrower is slave to the lender." Every dollar sent to debt payments is a dollar you can't use for giving, saving, or building your future. Eliminating debt requires unified commitment from both spouses. List all debts smallest to largest. Attack the smallest debt first with every extra dollar while making minimum payments on the rest. This is the debt snowball method—psychological wins from paying off small debts fuel momentum to tackle larger ones. When the smallest debt is gone, roll that payment into the next smallest. Repeat until debt-free. Stop adding new debt immediately. Cut up credit cards if necessary. No new car loans, no furniture financing, no vacation debt. You can't bail water out of a sinking boat while drilling new holes. Debt elimination requires sacrifice: delayed purchases, reduced lifestyle, increased income through side work. Both spouses must commit fully or resentment will sabotage progress. EMERGENCY FUND ESSENTIALS An emergency fund is a buffer between you and life's inevitable crises. Without it, every unexpected expense becomes a crisis requiring credit cards or loans. Start with $1,000 as a starter emergency fund while attacking debt. Once debt-free, build 3-6 months of expenses in a fully funded emergency fund. Keep emergency funds in a high-yield savings account—accessible but separate from daily spending accounts. This isn't investment money—it's insurance against job loss, medical emergencies, car repairs, and home breakdowns. Don't raid it for vacations or Christmas shopping. Agree on what constitutes an emergency. A broken furnace in winter qualifies. A sale on furniture doesn't. When you use emergency funds, immediately begin rebuilding them. The emergency fund provides peace of mind and eliminates the panic that forces poor financial decisions during crises. SAVING, INVESTING & BUILDING WEALTH After eliminating debt and building emergency funds, shift to wealth building. Invest 15 percent of gross income into retirement accounts: 401(k)s, Roth IRAs, or traditional IRAs. Take full advantage of employer matches—that's free money. Time and consistency matter more than investment genius. Diversify investments across growth stock mutual funds, avoid single stocks unless you're an expert, and resist the temptation to time the market. Consistent investing over decades builds substantial wealth through compound growth. Thirty years of investing $500 monthly at 10 percent average returns produces over $1 million. Biblical generosity is the capstone of financial health. Once you're debt-free, have emergency funds, and are investing for retirement, increase giving beyond the tithe. Proverbs 11:25 promises "A generous person will prosper; whoever refreshes others will be refreshed." Give to your church, support missions, help people in need. Money is a tool for Kingdom impact, not just personal accumulation.
BONUS MODULE-9: CRISIS MANAGEMENT Financial Infidelity & Rebuilding Trust, Job Loss & Income Reduction, Bankruptcy & Foreclosure
BONUS MODULE: CRISIS MANAGEMENT Financial Infidelity & Rebuilding Trust, Job Loss & Income Reduction, Bankruptcy & Foreclosure FINANCIAL INFIDELITY AND REBUILDING TRUST Financial infidelity—hiding purchases, maintaining secret accounts, lying about spending, or concealing debt—destroys marriages as effectively as sexual infidelity. The betrayal isn't about the money; it's about the deception. When one spouse discovers financial lies, trust shatters. Rebuilding requires radical transparency, genuine remorse, and consistent accountability. The offending spouse must confess fully. No trickle truth, no minimizing, no excuses. Lay everything bare: all hidden accounts, all secret purchases, all concealed debt. The betrayed spouse needs complete disclosure to assess damage and decide whether to rebuild. Partial confession prolongs agony and prevents healing. Rebuilding trust requires accountability structures: joint access to all accounts, regular budget reviews, spending limits without exceptions, and possibly financial counseling. The offending spouse earns trust back through consistent honesty over time—months, not weeks. The betrayed spouse must decide if they can forgive and move forward. Some marriages survive financial infidelity. Others don't. Either outcome requires facing the truth completely. JOB LOSS AND INCOME REDUCTION Job loss devastates finances and identity simultaneously. Suddenly the income stops but the bills don't. Panic, shame, and fear flood the household. The unemployed spouse often feels worthless while the employed spouse feels burdened. These emotions, if unaddressed, destroy marriages faster than the lost income. Immediately cut expenses to essential survival: food, shelter, utilities, transportation. Eliminate everything else temporarily. File for unemployment benefits the same day. Update your resume, activate your network, and treat job hunting as a full-time job. The unemployed spouse should contribute through home management, cost-cutting measures, and job searching—idleness breeds depression and marital tension. Communicate constantly. The employed spouse needs to encourage, not criticize. The unemployed spouse needs to stay engaged, not withdraw. This is temporary crisis, not permanent identity. Proverbs 24:16 promises "Though the righteous fall seven times, they rise again." You will recover, but recovery requires both spouses fighting together, not against each other. BANKRUPTCY AND FORECLOSURE Bankruptcy and foreclosure feel like ultimate failure, but they're financial tools, not moral judgments. Sometimes circumstances—medical debt, job loss, business failure—create impossible situations. Bankruptcy offers a legal fresh start. Foreclosure releases you from an underwater mortgage you can't sustain. Before filing bankruptcy, exhaust alternatives: negotiate with creditors, seek credit counseling, sell assets, increase income. Bankruptcy destroys credit for 7-10 years and should be the last resort, not the easy escape. If you must file, Chapter 7 liquidates assets to pay creditors. Chapter 13 creates a repayment plan. Both require legal counsel. Foreclosure happens when you can't pay your mortgage and the lender repossesses your home. It's devastating emotionally but sometimes financially necessary. Staying in a home you can't afford destroys your future. Better to downsize, rebuild, and recover than drown slowly in impossible payments. Financial crisis reveals character. Will you blame each other or support each other? Your marriage can survive bankruptcy. Whether it thrives afterward depends on how you handle the crisis together.
POST-COURSE ASSESSMENT
DO THIS AT THE END.
POST-COURSE ASSESSMENT.
Where is your marriage now?
Measure your progress.
POST-COURSE ASSESSMENT (PDF)
E-Book: The 10 Essential
Communication Principles
for a Healthy, Happy Marriage
Strong communication is the foundation of intimacy and connection. This 10-module course teaches you how to listen deeply, speak truthfully, and resolve conflict constructively.
Master essential communication skills that transform how you connect with your spouse every single day.
