The Danger of Having Separate Bank Accounts

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We’ve talked with a lot of couples about money and how they handle it as a couple. Many couples, we’ve found, have separate bank accounts and choose to keep their money separate from one another. One spouse will pay one bill and one will pay for another. They want things to feel balanced, and sometimes do a pretty good job of doing so.

…but there’s a danger in it all too.

In today’s video, we talk about the danger of separate bank accounts, what going all-in looks like, and what it can do for your marriage.

Main points:

[0:22] Putting our money together reflects a deeper commitment level.

[0:43] This forces us to handle our finances as a team, rather than as individuals.

[0:50] The second you say “I do”, there is no longer “yours or mine”. It all becomes “ours”.

[1:03] We are responsible as a team to handle things well.

[1:27] How can we be fully committed to our marriage and fully all-in when our money is separate?

[1:41] If our money is separate, there is an opportunity for division.

[2:50] How do you take what God has given you as a team and do the best with your resources? It’s really hard to do this when things are separate.

[4:20] Having your finances together gives you an opportunity to work together as a team.

[4:48] If we have separate bank accounts, then that leads to a separate mindset and that’s not acting as “one flesh” (Matthew 19:5)

[5:05] As soon as you start to have or think about a backup plan, it becomes a threat to your marriage.


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adam & Jess

Hi, we’re Adam & Jess--we’re so glad you’re here!

Our marriage got off to a rocky start in 2014 and quickly escalated into a full-out crisis. God healed us, and now we're inviting you to walk with us as we all journey toward healthier marriages together!

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