The Top 5 Tips for Overcoming Fear About Money in Your Relationship

The Top 5 Tips for Overcoming Fear About Money in Your Relationship

Let’s be honest: money can be a scary topic in relationships...but it doesn’t have to be! What can you do when that fear strikes?

I’ll show you how to overcome it. But first, let’s explore some of the most-common ways I see my clients’ fears show up around money and their relationships:

  • I’m afraid of fighting with you

  • I’m afraid of being judged about my finances (i.e. debt) or choices (i.e. spending/saving)

  • I’m afraid to say what I really want, that we won’t be on the same page

  • I’m afraid of the financial uncertainty I’m facing

  • I’m afraid of numbers, money, finance period

Which of these apply to you?

Now, do you want to be able to talk to your partner? Use these Top 5 Tips, and you will make it happen:

  1. Courage: summon it. The beauty of courage is that it can exist alongside fear.

  2. Write: get a piece of paper or a Google Doc, and let out everything that has been rumbling around in your brain. Before you know it, you will feel calmer and may stumble upon an organized road map for a talk with your partner.

  3. Breathe: do what you know helps you stay grounded, both before and during the chat. It often helps to connect lovingly with your partner before any difficult conversation.

  4. Envision: imagine how you’d want to be in that conversation, i.e. understanding, brave, loving. Think about the kind of relationship you really want. Then, see how you could make this conversation a big step in that direction.

  5. Ask: don’t think too much -- just send the text or otherwise ask to have a chat!

Keep these tips in mind, and in no time, you both will be taking your financial power back and having your money work for you!


Want to level up your game around money in your relationship? My free quiz will help you learn your Couple’s Money Personality Type AND how you can grow from there!


Adam Kol is The Couples Financial Coach. He helps couples go from financial overwhelm or fighting to clarity, teamwork, and peace of mind.

Adam is a Certified Financial Therapist™, Certified Mediator, and Tax Attorney with a Duke Law degree and a Master's in Tax Law from NYU. He is a husband, dad, and musician, as well.

Adam's wisdom has been shared with The Wall Street Journal, the Baltimore Ravens, CNBC, NewsNation, and more.

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