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  • George & Brandi Gamble

Together Towards Prosperity: 7 Steps to Conquer Financial Obstacles in Marriage


Have you ever heard the phrase “A Picture is worth a Thousand words?” Well, Picture this: you and your spouse, armed with the wisdom of the Bible and armed with budget spreadsheets (lol!). Just as the scriptures illuminate our paths in life, they also hold keys to unlocking financial harmony in our marriages. Let us arm ourselves with the steps to conquer financial obstacles we might face in our marriages.


Love may be the heart of our marriage, but financial harmony serves as its steady pulse. The Bible tells us that "two are better than one" (Ecclesiastes 4:9), and this rings true in your financial endeavors too. When you and your partner unite your financial goals and aspirations, you create a harmonious rhythm that echoes through every aspect of your life together.


Common Financial Challenges Couples Face:

As we navigate the winding road of marriage, we'll encounter financial challenges that test our resolve and faith. From unexpected expenses that arise like storms of temptation to chase fleeting luxuries, these challenges are part of the shared human experience. However, remember that the Bible assures us, "In all things, God works for the good of those who love him" (Romans 8:28). This includes our financial journeys.


Strategies to Overcome These Challenges:

Now, here's the exciting part. We are not only going to identify obstacles but also suggest tools and biblical insights to overcome them. Our purpose is deeply rooted in the wisdom of Proverbs 15:22 – "Plans fail for lack of counsel, but with many advisers they succeed." We pray that this will be an added guide to help you through the financial maze.


Whether you're newlyweds or seasoned companions, this roadmap will not only help you conquer financial challenges but be a catalyst for you to thrive together. So, with hearts aligned and spirits open to guidance, let's embark on this scriptural journey towards conquering financial obstacles in marriage.


Communication and Transparency: Laying the Groundwork

Before we even start counting coins, let's talk about the elephant in the room – communication. You know, that thing we often do without really doing? Well, in the world of dollars and sense (pun intended), communication is the secret sauce to success.

Have Open and Honest Communication about Financial Goals and Concerns

Establish a Safe Space for Discussing Money Matters

Do Regular Check-ins to Review Financial Progress and Make Adjustments


Proverbs 21:5 reminds us that "the plans of the diligent lead to profit." Just as we diligently tend to our spiritual growth, make it a habit to regularly review your financial progress and adjust your strategies. Think of your finances like a garden – it needs consistent care to flourish. Set a date to review your financial progress and make adjustments as needed. This isn't just about numbers; it's about nurturing your partnership and celebrating every step towards your goals.


Setting Joint Financial Goals

You two make an awesome team, and your financial goals should reflect that amazing partnership. Let's dive into setting goals that'll make both your hearts and wallets happy.

Identify Short-Term and Long-Term Goals as a Couple

Prioritize and Align Goals to Ensure Mutual Understanding

Break Down Goals in Actionable Steps


James 2:17 reminds us that "faith by itself, if it is not accompanied by action, is dead." As we apply this principle to our financial goals, it’s important to break your goals down into bite-sized actionable steps. You wouldn't climb a mountain without a map, right? Well, the same goes for our financial goals. It's like following a trail – one step at a time, you'll get closer to your financial summit. Each step we take is a step towards prosperity, and that's a victory worth celebrating!


Creating a Budget Together: Money Magic 101

Budgeting might sound like a snooze fest, but trust us, it's the magic wand that turns our financial dreams into reality.


Let's talk real talk for a second – “Budget” is word most of us don’t like. So, from now on, let’s change its name to Spending Plan. Think of your Spending Plan as your money map, guiding you towards your goals while ensuring you don't accidentally detour into the land of overspending. Remember, "The plans of the diligent lead to profit" (Proverbs 21:5), and a spending plan is your plan in action!


Proverbs 22:7 reminds us that "the borrower is slave to the lender." A spending plan empowers you to avoid becoming enslaved to debt by making informed spending decisions. You know how compromise in marriage is like oil that keeps the engine running smoothly? The same goes for our finances. Talk about your spending habits and agree on how much to allocate for discretionary expenses. It's all about finding that sweet spot between treating yourselves and saving for those bigger dreams. Plus, compromising together brings you closer, and that's a win-win!


Managing Debt as a Team: United in Financial Freedom

Let's face it, debt can sometimes feel like quicksand. But fear not, for as a team, we have the power to break free from its clutches and find financial freedom.

Assess and Consolidate Debts

Develop a Joint Debt Repayment Strategy

Avoid Blame and Focusing on Solutions


Proverbs 28:13 teaches us, "Whoever conceals their sins does not prosper, but the one who confesses and renounces them finds mercy." In the world of finances, this translates to facing our challenges head-on, together. Avoid the blame game and focus on solutions. Seek divine guidance, seek wise counsel, and remember that with God, all things are possible – even conquering our financial challenges!


Financial Education and Skill-Building: Empowering Your Journey

Just as Solomon sought wisdom, couples should seek financial education to navigate their journey effectively.

Take Joint Financial Literacy Courses or Workshops

Learn About Investments, Savings, and Retirement Planning Together

Regularly Update Financial Knowledge and Strategies


Proverbs 19:20 advises us, "Listen to advice and accept discipline, and at the end, you will be counted among the wise." Embark on a journey of learning by partnering with a financial educator or enrolling in joint financial literacy courses or workshops. We should equip ourselves with practical knowledge and tools that will empower us to make informed financial decisions.


Commit to a practice of continuous learning and growth. Stay updated on financial trends, revisit your strategies, and adapt as needed. By staying informed, we position ourselves to make sound financial decisions that support our journey towards prosperity.


Handling Unexpected Financial Challenges: A Test of Faith and Resilience

As we journey towards prosperity, unexpected challenges may arise. However, through faith and resilience, we can overcome these trials.

Build an Emergency Fund for Unexpected Expenses

Navigate Job Loss, Medical Emergencies, or Other Unforeseen Events

Seek Professional Advice When Needed



Life can be unpredictable, just like the story of Job. When job loss, medical emergencies, or other unforeseen events strike, lean on each other and your faith. Build an emergency fund to cushion against unexpected expenses. Set aside a portion of your income in a dedicated savings account, explore temporary job options, and remember that challenges are opportunities for growth. Together, you're unstoppable, even in the face of life's curveballs.

Proverbs 15:22 reminds us, "Plans fail for lack of counsel, but with many advisers they succeed." In times of financial uncertainty, seek professional guidance. Financial experts offer insights that can identify gaps, steer you towards solutions and provide clarity during difficult times.


Compromise and Flexibility: When Finances Meet Flexibility

One last picture. Now, picture this: a dance floor, you and your partner swaying to the rhythm of compromise and flexibility. Let's move to the beat of financial harmony!

On your financial journey, compromise is your GPS, guiding you towards your “financial” promise land. Embrace the art of compromise – it's not about giving in but finding middle ground that respects both partners' needs and aspirations.


Just as the seasons change, so do life's circumstances. Being flexible is like having an umbrella when it unexpectedly rains – you stay dry and keep moving forward. Embrace change with grace, adjust your plans as needed, and remember that flexibility is the secret ingredient to weathering life's storms.

Compromising is an Art in Financial Decision-Making

Be Flexible and Adaptable to Changing Circumstances


A Prosperous Path Forward

By weaving these principles with the threads of scripture, we’ve embarked on a path towards financial harmony that is guided by faith, wisdom, and love.


As we continue our shared journey towards prosperity, remember the words of Romans 12:2, "Do not conform to the pattern of this world, but be transformed by the renewing of your mind" and Ecclesiastes 4:9-10, "Two are better than one, because they have a good return for their labor: If either of them falls down, one can help the other up." With faith as our compass and love as our guide, may our paths be paved with financial abundance, shared dreams realized, where we approach money matters with unity, purpose, and a steadfast commitment to our spouse. As we hold our spouse’s hand and face the horizon, may we continue walking, "Together Towards Prosperity."


God bless our marriages and our financial journeys.

George & Brandi Gamble,

Financial Strategist & Coach

Atlanta, GA

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