Scary News For Couples
Here’s a revolutionary idea: couples don’t have to be in debt, they can easily manage their spending and they don’t need to argue or worry about money. They can have a strong financial footing and agree on their priorities without arguing or stepping into the Octagon to do it.
The problem is that most couples don’t know how to approach their finances as a couple and that leads to the bad news.
And the bad news is that money problems are among the top reasons for divorce. Every year over 1,000,000 married couples end their marriages. (And who knows how many unmarried couples split up every year over money?) How many of these relationships could have been saved had they learned to deal with money and communicate about it before it became a problem?
Sure everyone starts off with good intentions. But over time, different attitudes and behaviors take their toll. Disagreements turn into fights. Eventually, too many couples break up or end up in divorce court. And many of those who stay together, still worry and fight. They just aren’t able to have the closeness they want with their partner and it’s mainly because of financial disagreements and problems. (Even if they don’t argue about money, they often miss the opportunity to make small corrections as a couple and as a result, forgo a much brighter financial future.)
Why do most couples worry or argue about money? Why is it such a source of conflict?
The good news is that most relationships aren’t doomed from the get-go. The reason that money becomes a wall between people is because couples were never trained on how to handle money as a couple. They never took a class on working out joint priorities, compromising on budgets and getting out of debt – especially when it was the other partner who created the debt.
The default method that most people use when they get together is the “WEW” system – “What Ever Works”. Couples stumble with budgets and debt and figure it out as they go. It’s hit and miss – and most of the time it’s a miss. As a result, they pile up debts, make the wrong financial decisions, and build up huge resentments with each other as a bonus.
This “WEW” system works for a few people – the lucky ones. But most couples struggle with finances for years….if the relationship survives that long.
A new and better alternative is to be proactive with your financial life and your relationship rather that take your chances on the old “WEW” system.
Instead of hoping and stumbling with finances – and piling up huge mistakes, debts and resentments, – the new alternative teaches couples to manage their money as a couple before problems pop up – or before those problems get worse.
This new idea won’t work for everyone – nothing does. But if you are both willing to be open minded, compromise and do a little work, this new concept will succeed. Guaranteed.
I created this system for couples who want to fix their finances and are sick and tired of worrying and arguing about money – regardless of what their current situation is.
Introducing Money School For Couples; How to Fix Your Budget, Spending and Debt (And Stop Worrying and Arguing About Money).
Building on 25 years experience helping families overcome their financial struggles and resentments, Money School for Couples offers a range of materials to help you make money a non-issue in your relationship.
All materials are delivered immediately after purchase by electronic download (no shipping charges) and will work on both PC and Macs. The product includes:
• 5 – 10 Video Modules
• 5 – 10 Exercises
• 1 White Papers
• 1 – 4 Spreadsheet templates
• Continuing Email Updates
(There are two versions of Money School For Couples – one for couples with a nominal amount of debt to take care of (the Undergraduate Course) and one for couples who have greater debt challenges (The Graduate Course). Keep reading for all the details)
Transforming Your Financial Life and Relationship
Money School for Couples is designed to help couples eliminate money as a source of conflict or concern. Generally speaking, couples fall into one of three categories:
Category 1: Not On the Same Page
People who aren’t on the same page financially tend to argue and fight quite a bit.
Category 2: On the Same Page…Just the Wrong One
Folks in this situation may not fight about money but they wonder if they are headed in the right direction. They are usually concerned about their financial future.
Stage 3: Not Sure What Page Either Is On
People in this boat are often confused about what they should be doing, aren’t clear on what their goals are and are worried that they headed in the wrong direction. This group is made up of people who are financially frustrated.
Regardless of which category you are in, the goals of this program are to:
a. End those arguments.
b. Fix your finances.
c. Identify common goals more in line with what you really define as financial success.
d. Give you a formula you can use to communicate about money.
e. Arrive at compromised goals.
f. Agree as a couple on your financial priorities.
g. Hammer out a plan to achieve those goals.
h. Get you into action towards achieving your goals
Who Should Buy This:
If you belong to any of three groups mentioned above, this program is for you.
This is designed for any couple who needs to fix their finances and is tired of worrying and arguing about money. Anyone who wants to finally stop digging deeper in debt, get their budget & spending under control, and most important, have a realistic and doable plan for their financial future. Basically, anyone who wants to get their financial life together.
What is the big difference between Money School for Couples and other personal finance courses?
The most important difference to you is that this is a course of videos and workbooks that are specifically designed for couples who want to improve their relationship with each other by making money a non-issue.
Imagine what your relationship would be like if you didn’t worry or argue about money – ever again.
By going through this course you’ll complete specific exercises which will pinpoint exactly what you need to do to erase money from your “problem” list.
You’ll understand what you need to do to get on track.
Maybe you’ve known for a long time what you should be doing…but for some reason, you or your partner just don’t follow through. I’ll explain why that is and give you specific exercises to nip the problem in the bud once and for all.
You’ll start getting on track from day 1.
It’s really important that you and your partner get on the same page financially. You might be doing everything just great…but if you partner is blowing it, you’ll both end up paying a heavy price both in terms of the relationship and money. This is the first program of its kind that allows you both to watch the videos together, discuss them together, do the workbooks together and make progress together.
Books don’t have that kind of power. This program does – or your money back (more on that later).
Here’s what Matt Jabs has to say about the course:
Do you control your money, or does your money control you?
In my experience with personal finance I have learned many valuable lessons, but perhaps the most valuable has been learning the need to “master my money.” You see, money is constantly moving – flowing in and flowing out – and if you are not proactive with your management of it, no matter how much you make, money will soon become the master of you!
Is this where you are today? Is your money situation a master over you, your time, and your emotional well being? Well I am here to tell you that there is hope!
In “Money School for Couples” Neal Frankle delivers solid direction to help you reestablish your financial foothold. Once you have that foothold you can start to look up again. Once you are looking up, you will learn to climb again, and once you begin climing, Neal will stay with you as you make your way back up to the top of your financial mountain.
Neal touches on many aspects of money that you may never have known existed. Emotion, goals, time management, knowledge, and wisdom are all incredibly important pieced of the puzzle, all of which are susinctly addressed in “Money School for Couples.” Insightful exercises such as “dollarize your time” will teach you life changing ways to look at and handle your time and your money.
In closing, I would like to say that Neal Frankle is not only a supportive colleague of mine, he is also a friend. Following his easy to understand modules will help you develop a solid financial plan for your life. Once you get started you will be amazed at how quickly your anxiety about money will melt away. Simply learning how to create and implement a sound financial plan will deliver most of the peace you are looking for, which, if you work at it will happen very quickly. The rest of the peace will be gained over time as you execute and nourish the plan that Neal will help you infuse into your life.
Neal has been helping people gain control over their financial picture for many years now. Won’t you let him do the same for you?
Matt Jabs, Debt Free Adventure
Who Should Not Buy This:
If you and your partner are completely satisfied and convinced that you are on the right track and that you can’t improve your financial situation in any way, this is not a good program for you to buy.
What You’ll Get With Money School for Couples (Undergraduate Course):
Introduction – A quick start path to a stronger relationship, improved financial situation and better life.
Outcome: At the end of this module you & your partner will have a written and signed commitment from each other promising to work together towards a better future in these areas.
Module 2 The most important financial question you never asked yourself
What’s important about money to you? This seems like a very simple question. But few folks spend the time to think about it and that’s a tragedy. If your behavior is inconsistent with your core values, you’ll never be happy – regardless of how much money you have. The good news is that by simply being aware of your answers to these questions, you’ll do wonders.
Outcome: Is your financial behavior consistent with you core beliefs? This module will help you make sure it is.
Module 3 Common Ground
What financial behaviors need to change (for both you and your partner). This module helps you pinpoint those issues.
Outcome: You will identify the financial behaviors you like and dislike both in your partner and yourself. As a result, you’ll have a strong foundation upon which to build and improve.
Module 4 Dollarize your behavior.
Are you spending your time well? Is your partner? This module will help you see the true cost of your behaviors.
Outcome: You and your partner will know the true cost (in dollars) of your behaviors and you can then decide if the time you spend is really consistent with your ultimate goals.
Module 5 – Track your spending.
The most important ingredient of financial success is spending control. You might earn $75,000 – but if you spend $85,000 you’re going to end up in the poor house sooner or later.
Everyone knows they should track their spending but most of us don’t do a very good job of it. It can be a lot of work and it’s tough to track every little expense.
Outcome: You’ll be able to track your spending (and tame it at the same time) in less than 5 minutes a month.
In short, the course includes everything I’ve learned in twenty five years of working with clients struggling over their finances.
I’ve designed this to give you the same benefits as you’d get by sitting down with me for a few hours….but at a small fraction of the cost.
Money School for Couples is designed to be affordable. Despite the fact that more than 50 hours of work went into research and production, the product is offered at a budget price.
You have two options for your purchase:
$37 – Money School For Couples (Undergraduate Course)
Includes the 5 videos with excellent content, 5 interactive exercises for you and your partner to go through together, a 10 page white paper, a simple spending tracker spreadsheet you can use in 5 minutes a month and free updates for six months.
$57 – Money School For Couples – (Graduate Course)
Includes everything in the “Undergraduate Course”, plus these additional materials:
5 more videos with step-by-step instruction on how to get out of debt, get both you and your partner on the same page with your priorities and a fail-safe method to help you succeed even though you may have tried and failed in the past. The “Graduate Course” also includes exercises to accompany each module which are designed to get you and your partner on the right track and moving forward. Three additional spreadsheets are also included in the “Graduate Course”.
Here are more details on the “Graduate Course”:
Module 6 – Stop Digging yourself deeper in debt
Do you have good debt or bad debt? I’ll explain the difference and if you have bad debt, here are the practical tools you need to stop digging yourself deeper.
Outcome: You’ll know exactly how much you need to increase earnings or cut spending in order to stop creating more debt.
Module 7 -How to get out of debt
Now that you’ve stopped digging deeper, let’s get you out of your existing debt. Here’s a systematic approach you’ll use to eliminate your debt that is almost effortless.
Outcome: You’ll know exactly which debt to pay off first and get out of debt much faster. You’ll have a plan on how to get out of debt completely and never create that debt again.
Module 8 – A Chat about debt and budgeting.
Regardless of how much time you track you spend tracking your debt, if you don’t create the proper mindset, you’ll probably find yourself right back in the hole you are working so very hard to get out of. Here’s a candid conversation on how to make sure you stay on track.
Outcome: You’ll create a “budget mentality” and as a result stay out of debt for good.
Module 9 – Why you may have failed in the past and how to correct that mistake once and for all.
Do you know the definition of insanity? It’s doing the same thing and expecting a different outcome. Have you tried to correct your financial ship in the past only to find yourself right back where you started? That’s because you haven’t identified the root cause. This module identifies it for you.
Outcome: You’ll “fire” the financial manager inside you that keeps you mired in financial mud. You’ll appoint an accountability partner (maybe your spouse, partner or trusted friend) instead.
Module 10 Priority matrix
Are you confused about what financial goal to save for first? For example, should you put money aside for college saving first or for retirement? Do you ever argue with your partner about these issues? Here’s a simple tool you can use to make sure you never argue about your financial priorities ever again.
Outcome: You’ll have a simple tool you can use to make sure you never argue about your financial priorites ever again.
Which course should you get?
Either one will be a huge boost to your relationship. If you are arguing or worried, can’t get your spending under control or can’t seem to get on the same page with your partner the “Undergraduate” VERSION is great. If you also want to get rid of your debt, you argue over your financial priorities or you’ve tried other programs in the past and nothing’s seemed to work, get the Graduate version.
Disclaimer: These are not super-polished videos. It’s just me talking to you in a conversational style about real financial issues and showing you real techniques you can use to make permanent and important improvements quickly. I cover the same things we’d talk about during a couple of long face-to-face meetings.
Why You Might Not Want To Give Me Your Money
I’m not crazy about selling anything on the internet. I’ve worked really hard to build a good blog and a good reputation. I don’t want to alienate anyone who doesn’t think this is for them.
So let me be as clear as I can — this is not a quick-fix system. I tell you exactly what you need to do to:
a. Clarify your goals.
b. Spend mindfully and in a way that is consistent with you true financial goals.
c. Get out of debt (“Graduate Course”).
d. Stop arguing about money.
e. Build a plan and have a bright financial future.
But you have to do the work. It’s not going to happen on its own. I know of no such magic pill you can take. If you are looking for the easy road to riches, feel free to keep looking, but I can‘t help you. This course isn’t going to do the work for you. You have to actually do the exercises and put some time in. I’m going to help you get your partner on the same page if s/he is willing to at least watch the videos and go through the exercises.
I take this personally. I spent most of my life worrying and arguing about money. I worried about it when I didn’t have any and I argued about it as soon as I got some.
I’ve seen first hand what a waste of time and energy that is. This crap almost cost me my relationship and family. I’m sick and tired of people struggling and arguing about money because nobody has to and I know it.
I’ve resolved these issues for myself and for my clients and I’ll tell you how – including all my mistakes, so you don’t have to repeat them.
OK, with these disclaimers out of the way, let me give you the strongest guarantee I could possibly think of.
The Strongest Guarantee I Could Possibly Think Of:
“If you watch the videos, use the handouts and do the assignments and put in a good-faith effort, and don’t see a significant improvement in your financial life, I can’t keep your money. You have to let me know if this happens, and I have to refund your money promptly. You have 90 days to succeed before I return your money.”
Specifically, I want to ensure that you argue less about your money, get your spending under control, have a plan to get out of debt, and get on the path for a bright financial future.
I’m making this guarantee for the good of both of us. I really don’t want your money if you can’t seriously benefit from the program.
How To Purchase
The digital download for everything – videos, downloads, workbook — costs $37 ($57 for the Graduate Course) and is available through PayPal. However, you don’t need to have a PayPal account to pay for it – after you choose “Check out with PayPal” on the next screen, you can pay with any major credit card.
That’s all there is. This program may not be for you and if so, I’m sincerely happy. But if you’d like to make money a non-issue in your relationship, I hope you’ll give Money School for Couples a try.
Thanks for your time.