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Episode: 290 - Practical Tips for Couples to Navigate Financial Disagreements

Managing money can be a major source of tension in relationships, but it doesn't have to be. By using effective communication and setting clear goals, couples can turn financial discussions from a stress point into an opportunity to strengthen their relationship and build a united vision for the future. 

 

 

Identifying Shared Values and Goals 

Start by discussing the type of life you both envision and the values that shape it. Often, it’s not just about the things you want but the experiences or feelings they represent, such as quality time together or a sense of achievement. Defining these priorities can help align your financial choices with what truly matters to both of you. 

Reviewing Spending and Setting Financial Goals 

Before creating a budget, look over your spending from the last few months. Understanding where your money goes can reveal whether your current spending aligns with your shared goals. Adjustments can then be made to support your mutual vision. 

Making Compromises Without Sacrifice 

Compromise doesn’t mean always taking turns or making direct swaps. Instead, try to prioritize by what’s important now versus what can wait. For example, if one partner is focused on furthering their education, set a timeline that also leaves room for other goals, like a large purchase, down the road. Planning in this way helps to reduce stress and avoid feeling deprived. 

Establishing Regular Financial Check-ins 

To keep finances on track, schedule a monthly “money date” to discuss updates and plan for the month ahead. Start with life events and needs, then move into the financial aspects. This can make the conversation feel more natural and less about numbers and spreadsheets. 

Fostering Honest Communication 

Money touches on personal beliefs and emotions, so it’s important to discuss past challenges and stay open to working together toward solutions. Choosing a relaxed setting, like a walk or drive, can help create a neutral space for open conversations about finances. 

Engaging the Less Involved Partner 

If one partner is less invested in financial planning, the more engaged partner could take the lead temporarily, showing the benefits of stability and reduced stress over time. This approach can make it easier for the other partner to see the positive impacts and potentially get more involved. 

Teaching Financial Responsibility to Kids 

Setting a positive example is an important part of teaching financial values to children. Instead of saying “we can’t afford it,” try phrases like “that’s not a priority right now” to help them understand financial choices in a way that fosters a healthy view of money. 

By using these tips, couples can work toward financial unity and create a strong foundation for their future. Achieving financial wellness takes time, patience, and partnership, but it’s a rewarding journey that leads to a happier, more secure life together. 

Final Note 

Brad reminds listeners that consistency and discipline are essential for financial success. Debt Free Dad offers resources to help couples reduce debt and save money, making financial planning one of the most rewarding investments in a relationship. Check out more at debtfreedad.com. 

 

Resources Mentioned

Connect with Darla:  https://darlabishop.com/ 

Get better results with your finances in 30-60 days - GUARANTEED. Watch this video to learn how! - https://www.debtfreedad.com/payoff-debt-in-60-to-90-days 

Free Tools and Downloads at www.debtfreedad.com

Connect With Brad

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Transcript:

Brad Nelson:  

So financial disagreements are one of the leading sources of stress in relationships, but hey, they don't have to be so. In today's episode, we're going to be diving into some ways for couples to overcome financial disagreements with Darla Bishop. Now, whether it's conflicting spending habits, differing financial goals or just the challenge of staying on the same page, Darla's expert insights will help you and your partner turn money from a source of tension into a tool for building a stronger, more united future. Stay tuned.

Announcer:  

You're listening to the Debt-Free Dad Podcast with Brad Nelson. Brad and his co-hosts experience the anxiety of living paycheck to paycheck before learning the fundamentals of financial success. They are now on a mission to empower regular people to pay off their debt for good and enjoy happier, less stressful lives. Keep listening for inspirational interviews, tips, tricks and practical advice to gain financial freedom.

Brad Nelson:  

Hey guys, I'm Brad Nelson, founder of Debt Free Dad. Welcome to today's show. I paid off about $45,000 in debt, have been debt free now for more than 11 years, outside of my mortgage. I've also been fortunate to help thousands of other people save and pay off tens of millions of dollars with the work that we do here at Debt Free Dad. Now, after listening to this episode, if you are ready to take your finances a step further, you're ready to start taking action. You're ready to start feeling less financial stress. You want to save more money. You want to get out of debt and, seriously, guys, we can show you how to do that and start seeing some amazing results in just as little as 30 to 60 days. We're going to be sharing an awesome resource on how you get started with that later on in today's show.

Brad Nelson:  

So hi Darla, Welcome to the Debris Dad podcast, so glad that you are joining us here today. Thank you for having me. I can't wait to talk to you about this really important topic. Yes, absolutely so. Can you share quick, darla, how you even got into this line of work of very similar to what we do here at Debris Dad is help people with their personal finances, and where did this begin with you?

Darla Bishop:  

It began when I realized, probably as a young teenager, that my life would be a lot easier if we just had a little more money. The adults in my life were actually doing really good. We're very good stewards of what they had. They just didn't have enough. And when I went to college, I was blessed to have a full scholarship from the Gates Millennium Scholarship Program. Wow, although I was fully intending, I really thought I was going to have to work my way through college. This scholarship gave me a whole new world. It meant that I could choose to work or not, or I could work just a little bit to have pocket money, versus expecting to be working to pay for books and tuition, to be working to pay for books and tuition. And so what I did with that extra time that I found is I started reading books about money. Because I had a classmate who drove a Range Rover and his parents somehow got him special permission to get a staff parking pass, which was not allowed. There were no student passes on our campus, but this student, through whatever means his parents were able to provide to the university, worked out a parking pass so that his Range Rover could park right outside of our dorm and luckily this person is a dear, wonderful person and his parents raised him so well and one of my favorite people in life. But I remember thinking, if I could get here and this dude with the Range Rover is here I'm smart enough to figure out the money part, and so I started reading books. We had seven libraries on campus and I found all the money books that they would let me check out and I started reading books about money and over the last 15, 20 years I've read more than a hundred books and part of it was. I was so frustrated about some of the things that were missing from these books. Very few of them told me, as someone who had very little context about what to do with the money. Once I had some, because the fact that I was going to college, the fact that I was going to have this network and a career, meant I was going to have a different type of money than what the parents and adults around me had growing up and I didn't have any context for what that really meant. So they didn't tell me where to start and where to go next. They didn't give me any of those decision trees. So I put that in my book how to Afford Everything.

Darla Bishop:  

The other piece that really used to burn my biscuits is here I am. I either purchased the book or I got it from the library. And one of the first thing you read when you open up the book is you're in a bad financial situation because you're dumb, you're stupid and you have poor self-control. And I'm like wait, hold up. No, that's not who I am. Or later in the book, it'd say well, the only way to get ahead is you have to tell your family, your friends, no, you don't loan any money, you don't help anyone. And that was not a reality for me.

Darla Bishop:  

So I had to figure out how to balance okay, how do I get myself stable while also helping my mom and my siblings when they need it, and making that all work. And so I wrote the book I Needed, and it was easy to write because I had been the de facto. Hey, you actually have money. Can you show me how to make a budget? Or I just started a new job. How does this retirement account stuff work? Or I got inheritance and it job. How does this retirement account stuff work? Or I got inheritance and it's not a lot of money, but what should I do with it? And that I kind of became that person and family and friends. So I actually came up with a coaching system and then, after so many years of using it, when I was ready to sit down and write a book, I turned the coaching system into the book.

Brad Nelson:  

Yeah, very cool. So over the years, how many people have you been able to help with their finances, and what does that look like?

Darla Bishop:  

In a formal coaching setting, probably about 20. Okay, but advice and workshops, and it's hundreds because I'm a college professor. One of the things I do by day is I'm a college professor and so I'm always offering to do free money workshops because I know that learning about money at that stage in my life is probably what helped me change the complete path that my life was on, because I was broke. Right, when you can get to a broke person but you know who's going to have money later and teach them a couple of those good habits while they have a little bit of money and get them to make those mistakes early where the mistake doesn't cost a ton of money, then you can set them up for really a beautiful, peaceful, bright financial future.

Brad Nelson:  

Yeah, absolutely Couldn't agree more. It's one of the things we're very passionate about here at Every Dad, and I'm so glad to have you on here because you're here to talk about a very probably tough topic for a lot of couples out there. And you mentioned, like, how you were raised with money. You know, when we come together in a relationship and we're mashing these two financial experiences together and they're not always the same Immediately a lot of disagreements can happen and a lot of financial mindsets. Yeah, I mean, there's just, you can be speaking almost two different languages when you start talking about the subject of money. You're going to share some great tips here today, but from just a basic level, from an educational standpoint, like where do we need to understand, like when we come together as a couple, even before we consider something like marriage, or even we get serious in relationships, and like where do we even begin to navigate such a complicated subject and, honestly, a very emotional subject for most people?

Darla Bishop:  

Well, part of it is we don't realize we're actually having money conversations all the time, because we don't necessarily label them or tag them in our brain as money conversations.

Darla Bishop:  

But anytime you're working together to decide how you're going to date, what types of things you're going to do together, how much it costs, how much time you can put into that, anytime you're deciding do we take a trip, how will we pay for it, how will we split it If you are ever on that long car ride and you're kind of daydreaming together about, well, what kind of house will we live in and how many kids will we have, those are actually all money conversations, because what you're doing is you're sharing with one another what your wishes, your desires, your values are, and so once you're actually sitting down and having an explicit conversation about the money part, you can say well, look, if we said that we want to have this size family, if we said we want to be able to vacation in this particular way, if we said we don't want to be stressed, how do we need to make sure our money is lined up to have that life?

Brad Nelson:  

Yeah, and so how do people get there? Because I think me working with a lot of people over the years. I've been doing this almost an entire decade now and I think there's a lot of people who have these dreams and they have these aspirations, they have these wishes, so to speak, even as an individual or even as a family, but they don't really have any clear direction on how to do that or navigate that. What do you recommend to couples, like in that basic hey, if this is the life you want, like where do they get started with the first step?

Darla Bishop:  

There's kind of that's a two part is one what are the values you're after? Right? So, if we want this kind of lifestyle, what does that actually mean? And why is it? Because sometimes and I had a person joke with me saying, well, how do I convince my wife I can get a boat. And I was like, well, tell me and tell her why you want the boat.

Darla Bishop:  

Do you want the boat because that's when you feel most at peace, when you're on that lake, when you're fishing. Do you want the boat? Because every time you're on a boat you're surrounded by all the people you love your siblings, your parents. You don't get to see as much all the kids and the nieces and nephews. What is it about having the boat that you're after? Because maybe we can create that piece without the boat at all. Maybe we just make people come over for potlucks, maybe we actually go take trips to visit your siblings and have family parties, and so what is it that you're really after? And get it down to that basic. And then the second part and this is the part that's probably a little bit harder is how are we spending our money? Because it turns out, the very first thing I do with anyone I'm coaching is to say okay, I don't need you to write me a budget.

Brad Nelson:  

I actually need you to give me a 90-day report about where your money went. Yes, I love that we talk about that all the time. People are just like how do I budget? It's like wait, no, we ain't going to start there. We're not starting there.

Darla Bishop:  

Where'd your money go? And if we look at the last three months, did your money go to the things that were really important to you or did they go to BS? And did they go to the things that are helping you achieve or get closer to that vision you have for your family and for yourself? Great, if they didn't, all right, how do we make different choices? How do we plan around those things that are inevitably going to come up in a way that they don't take you completely off?

Brad Nelson:  

your track. Now you bring up a great example like a boat. That's a pretty large purchase and it could be anything but the whole word compromise comes to mind right away. How do we get away from this whole resentment of, well, if you get that, I'm going to get something, as opposed to serving each other in the relationship and being more coming to it from a compromise standpoint of I can see the value in that, but that does not necessarily mean that now I get to go get a purchase that matches that same thing Like how do you navigate that?

Darla Bishop:  

Yeah, and sometimes part of it is we think of compromise as this or that, when it would release a ton of pressure if we thought about what comes first, then next, because sometimes, if one of and I'll give this example from my real life in my own marriage I wanted to go back to graduate school, and what that might've meant for our family is either me taking a pay cut or dropping out of the workforce for a couple of years and maybe taking on some debt, depending on which school I went to and how I went to that school.

Darla Bishop:  

And so, as we were having that conversation, it wasn't about well, if you go to school, we can't do this. It's like, okay, well, that means that if school happens now, this other thing we've been talking about will happen at this point. Instead, so, thinking about of what order do we do things so that we all get what we need? We just can't do all those things at one time. And that can relieve a lot of the pressure, because it's, instead of saying, well, you got to go to grad school and I wanted to get a boat because it was about the same price, it's about oh, okay, you go to grad school and then, once you're working in the new job, that should pay you way more for a couple of years. Then we put the boat in the budget.

Brad Nelson:  

Yeah, yeah, and I love that. So you know, and even from the get go and I should have asked this maybe when we started our conversation is just because money is such an emotional thing for a lot of us and when most couples and I've taught couples workshops and I'll even ask them, I'll have them raise their hand Like how many of you have gone through like a personal finance class or any sort of personal finance education together, either before you got married or after you got married? And hardly anyone raises their hand.

Brad Nelson:  

So a lot of people, a lot of couples, are almost getting a late start to this whole financial conversation. So, from a starting out point, how do couples keep that emotion out of it? Where you know a lot of people, you look at the statistics right now. You know the majority of people are living paycheck to paycheck. The majority of people say money is their number one source of financial stress. 47% of people recently just came out and said money is the number one cause for their decline in mental health. There's a lot of stuff going on with this. When we start, you know, coming together as a relationship or couple like, how do you keep all of that yucky stuff you're feeling about your finances out of it so you can focus on the more proactive actions that need to happen?

Darla Bishop:  

You actually don't, because it turns out money ain't math. It's not Money ain't math, right? If money was math, then a third grade eight-year-old could do money, money ain't math.

Darla Bishop:  

And so part of it is coming to the table with hey. I don't know if you know, but the way I grew up, I never sat down and talked about money in a way that was productive or happy or peaceful, and so it's going to take me some practice, but I really want to do this because if we can have good conversations and make plans, then we'll get further and we won't be fighting about it. I don't want to fight about money. I saw my parents fight about money or I saw my neighbors fight about money and I don't want to be that couple. But us not talking about it isn't the solution either.

Darla Bishop:  

Another piece that I think is actually something really simple that people can do is think about where you have your best conversations and think about the place, the time and the setting for having these conversations. That are a little more difficult, and the number one place, and followed by a very close second, is in the car, and this works in relationships. This works with parents and teenagers, it works with grownups and their parents, and the reason why the car is such a magical place for these hard conversations is because you're in a car, so you're close in proximity, you're physically close, there's an intimacy there because you're physically close to one another. The car is moving forward, right, so there's something about that motion like, okay, we can get through this conversation, just like we got through that highway and we got through that traffic, and you're not looking at one another, and so, when that something said that stings or hurts, you have both the opportunity to take that deep breath, listen, see how it feels before you react, and or, if you need to, you can look out the side and windows.

Darla Bishop:  

I can't believe this. Just said that to me without, but without the conflict. Right, right, I can get it out, I can make my face, I can grimace, I can growl like kind of under my breath, but make, but the conversation does not have to stop because I didn't do it in your face. Right, I got out the frustration, I got out that initial emotional response, but we were able to continue the conversation because I got it out and said okay, well, tell me more about that. Why do you feel that way? Or why do you think that was an okay thing to say? What am I missing? Why is this coming up as a conflict? I want to understand, because you're together, you're in a closed space, you're in a literally moving forward but you're not looking at one another. So it takes a lot of that pressure and that risk and that conflict down.

Darla Bishop:  

And the close second to that is on a walk. Same idea. Right, you've got some physical movement forward, you're with each other, but you're not looking at one another.

Brad Nelson:  

Yeah, I love that those are such great tips because I would agree, I think where most people make their mistakes is they immediately start talking about the numbers or what the other person did, and I love that you bring up like find something fun to do while you do it. It takes a lot of that pressure off. I love that. Can you talk a little bit about consistency, because I find a lot of couples struggle with this. Like they're in a moment something happened, a crisis, whatever happened and all of a sudden they're both looking at each other like we got to do something about this and they'll jump to action. Hey, we got to do some of this. They'll talk about it. But then all of a sudden the emotion or whatever that feeling they were feeling during that event kind of goes away because the event is now in the past and they move on.

Brad Nelson:  

And all of all of a sudden, it stops, consistency stops, they stop talking, they stop discussing and it's like almost like this constant fits and starts. Do you give couples any recommendations of like? You need to be like talking about this X amount of times to make sure, and what kind of tips can you share with couples to keep that consistency going?

Darla Bishop:  

And I highly recommend a date night, and you might have to do a couple of these per month, because one might be just a date where you're really having fun and maybe you're on a date with friends or your sister-in-law, right. But you have to have at least one date every month where you're sitting down and talking about the money but not just the money, because this is the part where it's actually helps the calendar, because your calendar has a time and a money consequence, and so if the money part is hard, guess what? You can look at the calendar for the next month or two and say, okay, which sport is starting? If you have kids, what bills are due? Do we have any birthdays or celebrations that we're going to have to pay for? Oh, we're traveling soon. How are we paying for that?

Darla Bishop:  

Again, do we have a hotel? Are we driving? And so you can start actually with your life, which feels like a nice way to ease into it and then add the dollars amounts to it, because you've talked about your life and now you add the money piece and that feels way easier than talking about we don't have enough money for this, wait, wait, wait, wait. But we're having a really beautiful life. Can we start there and then figure the money part off? Second, because that feels like it hurts less.

Brad Nelson:  

Yeah, yeah, those are great tips. What about a situation where you have a partner who's like I really want to get on a plan with our finances. I see the need for this, I want security in my life, I want peace, I don't want to feel much stress, I want to plan for our future, I want that house, I want to be able to take that trip. But then you got the partner who's just dragging their heels right and they don't really want anything to really do with it. Like, how does a couple and I and the reason I ask this is because I find, in more cases than not, couples are in this situation where you have one partner who is really serious and understands the importance of financial health, but the other one is just you only live once, I'm going to spend it now and I don't care. How do you get that other person to come to the table and say okay, I'm willing to try some of this stuff, because I find that couples who are really into it, they really struggle with getting their partners on board.

Darla Bishop:  

Well, part of it is you have to make it really easy for the other person. So what that means the person who's totally engaged and wants to do it they're going to have to do most of the work, probably for a couple of years, right? Because the other person who's like in YOLO or I don't want to deal with that or it'll all be fine, or aren't you so happy that, like, our bills are paid? Why are you so worried about it? We're fine, right? No-transcript get you to do this. Can I get you to do this? Or, if you don't want to deal with it at all, can I get you to do this? Or, if you don't want to deal with it at all, let's move to a joint bank account.

Darla Bishop:  

Let me be the CFO of our family for six months. For six months, you can look at everything. You can see everything. You'll see everything I'm doing. But let me put us on a path and if after six months, things are not better, then we'll completely. We'll either go back to where we were or do something different, but let me try and see if you like it.

Brad Nelson:  

Yeah, those are all great tips. I think the other one is, like you mentioned you have a book. I think I found that this has been a great tip too is find a third party, because I feel like I always in relationships where you're having that money conversation and you feel like the other person is like pointing the finger at you, whereas opposed to if you listen to a third party, maybe you get on a podcast, maybe you read a book, maybe both are willing to consume some sort of content that's related to finances you begin to be able to have a conversation. That's about what that person said yeah, not. What about? My partner said it made me feel bad for her.

Darla Bishop:  

That's right. That's right, and the thing about relationships is there are two relationships at play when we're talking about this stuff. It's not only the relationship you have with your partner, but the relationship you have with money, the relationship they have with money and the relationship you all, as a couple, have with money. Yeah, yeah, and so you got to work on all of those things simultaneously, but I promise you you can do it. Yeah, yeah, you can do hard things Absolutely.

Brad Nelson:  

Now. You mentioned from your childhood and you mentioned, like you, you started education early, you started working on money, you started learning about this stuff Like it's much bigger than just the couple, because a lot of us have what we call. Are these little children running around? Right, you know, we got these kids and if you look at the education system in the United States, like a lot of our kids aren't really getting a lot of this basic financial literacy that can help us be successful in the world when we become adults. So, as parents and as partners, like how does that begin to trickle down to our kids, where we're beginning to do, like the work that we're doing together now goes down to them? Can you provide just some quick little things that you could do to start having some of these conversations with our kids about some of this stuff?

Darla Bishop:  

So the first thing is pay attention to how you talk about money when your kids are in the room. When you're at the grocery store or the convenience store and they ask for something, what do you say? When you're in the car driving someplace and they say, oh, my friend just got this, can I get it? How do you respond? Pay attention to what you are saying to your kids about money. Can I stop?

Brad Nelson:  

you. I want to stop you right there real quick. What would be a negative financial mindset in that situation?

Darla Bishop:  

They want something in the store.

Brad Nelson:  

A friend has something. Give me an idea.

Darla Bishop:  

So this happened to me the other day. My daughter wanted a unicorn stuffy because her best friend at school has a unicorn stuffy. Mom, can I get the such and such unicorn stuffy? No, sweetie, that's not on our priority list right now. Or the one I use all the time is oh, we didn't come to the store for that. Today we came to the store for trash bags and light bulbs.

Darla Bishop:  

Remember, I told you we were here for trash bags and light bulbs and so that way I get to communicate to her oh, right now we are focused on this or our priority is this, and so no to that right now. Not because we don't have it, not because we're broke, not because I'm tired of you asking for things, but because that's not why we're here right now. We're here for trash bags and light bulbs and so anytime you can give the no in a very gentle way or give the reason why it's a no right now and that it might not be a no forever. That helps that brain connection not just go straight to shutdown mode as kids and remember and it's hard to remember, depending on which stage of parenting you're in your voice, as that mom, as that dad, becomes their inner voice when they are not in your house, when they're at school, when they're with their friends and even if you don't think they're listening to you let me tell you, they are listening to you.

Darla Bishop:  

So pay attention to how you talk about these things and if you're stressed about money, you can say hey, sweetie, I know when we talked about that the other day I was maybe a little crabby. It's because I'm trying to solve a problem and I don't know how to solve it yet, but that's not for you to worry about. So sorry, I was crabby.

Brad Nelson:  

Yeah, that's so good. It's so good and I think for our kids, this was a driving and huge motivator for me of getting out of debt and becoming debt-free was my first son and realizing wow, I'm like terrible with money and and he's going to look at me as an example and I don't want that for him. So there's this big mentality of, yes, you only live once, yes, you enjoy life and all that, but at the end of the day, too, you have this tree that you're growing and you can either pass on negative values and we're going to do things differently. That is so good. So, darla, I just want to say thank you so much. These have been some fantastic tips. Can you please share like? You got a lot of resources and things out there. Where can people find you and find different information that you have out there?

Darla Bishop:  

Yes, so I wrote how to afford everything. So that's my website howtoaffordeverythingcom. If that's too much, if you go to darlabishowcom, it'll shoot you right over there too. And, like you said, I have a ton of freebies because I want to be in a world, in a community, in a family where everybody's happy, whole and a little bit rich, because if I'm surrounded by that kind of people, then I've got a shot too. So I give a lot of stuff away because knowledge is power, and then I've got a shot too. So I give a lot of stuff away because knowledge is power, and if you can figure this stuff out, which it is all figureoutable, you're well on your way.

Brad Nelson:  

Yeah Well, thank you so much for being here and spending some time with us. I appreciate you.

Darla Bishop:  

Oh, thank you so much.

Brad Nelson:  

All right, guys. If you want to pay off more debt, save more money and you want to do, head over to DebtFreeDadcom. Click on the green button at the top of the page and I'm going to show you how you can get started money.

Darla Bishop:  

Let's talk about all the good things, all the bad things that may be. Let's talk about debt. Let's talk about debt. Tune into Debt Free Debt. Tune into Debt Free Debt.

Brad Nelson:  

All right, that sound means it's time for the celebrations of the show, and today we are kicking it off with Aaron. Aaron says my raise showed up on today's paycheck, even being short PTO and thus a short paycheck. Today my budget is barely impacted. Two wins Aaron's been working so hard and this is the importance of having a good financial plan because, yes, you might get shorted, yes, you might even miss a paycheck from your employer. No emergency here for Aaron because of all of her hard work. Congratulations to you and great job on getting that raise.

Brad Nelson:  

Mary. My win is I'm just hanging on over here, and that is a great win. Sometimes we forget that just consistency, treading water sometimes life happens and just keeping your head above water is a great win. The storm will pass, things will get better, mary. Way to go, way to stick with it. And then, last but not least, bonnie.

Brad Nelson:  

I have made so much progress. This week we closed on a sale of our house in Idaho. Since we have already purchased a home in Montana, we are carrying the contract with a substantial down payment. I added $3,000 to my emergency fund. I paid off seven credit cards totaling $3,023.65. I paid off a loan of $5,064.29. And I put the balances in my money market account.

Brad Nelson:  

I have been so overwhelmed since I started Roots of Personal Finance. This took a huge load off of my shoulders and I'm so grateful for this community. Without this support, I would still be drowning in my anxiety. My husband has finally joined me also in the quest to become debt-free. I truly believe I can meet my ultimate goal of having all of my credit cards paid off by June 1st of 2025, when my husband plans to quit his part-time job.

Brad Nelson:  

Bonnie, I know you guys have been working hard and this is the value of a good financial plan. When you're working hard, all of a sudden something happens and those gates just open and you know exactly what to do with your money. It's such a good value of having that plan and, man, I can feel how excited you are just from this celebration. So huge congratulations to you guys on all of your success and all of your hard work. Hey guys, as always, congratulations to all of you out there listening to Debt Free Dad, who are taking a stand for your financial life and are wanting better. Hey, we get that. Getting out of debt isn't easy, but with our help and hopefully with your consistency and discipline, we promise you guys, this will be some of the best work that you guys do in your entire life. Thanks for joining us on today's show, and we will see you guys on the next episode.

Announcer:  

Take care. Thanks for listening to the Debt-Free Dad podcast. Connect with us on Facebook, tiktok, youtube and Instagram. Just search Debt-Free Dad. If you found value in today's episode, please leave us a rating and review. We so appreciate it For resources, show notes and links mentioned in today's show. Visit DebtFreeDadcom. Catch you next week.

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