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How to Keep a “Financial 9/11” From Interfering In Your Relationships

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I’m calling the meltdown on Wall Street “financial 9/11.” With the stock markets plummeting more than they have in roughly two decades, with the bailout being denied, with banks being bought, people foreclosing, it’s easy to see how difficult times have become.

And this difficulty is spreading from out from Wall Street and Washington and trickling right down to the homes of many middle class Americans.

The One Thing People Fight Most About

Money is one of the things people fight about the most, and with families throughout the nation feeling the pinch of high gas prices, rising food costs, possible job loss, less discretionary income and much more, fights about finances are likely to increase. And, while it’s naive to think that a financial crisis won’t take a toll on a a relationship, you don’t have to let it control your life.

It’s always a good time to talk about family finances but with things fluctuating the way they are right now, it’s IMPERATIVE to talk about money with your significant other. This is specially if the responsibility for budgeting, investing and financial decisions typically fall on one person.

Both people need to know what’s going on, need to be able to give input and need to feel like can voice their concerns. If the burden is falling on one person, the added stress of an unstable market can lead to poor decision making, including financial infidelity, where one person is making decisions, purchases or withdrawals behind the other’s back as a way of mitigating the added stress they’re feeling.

They can also turn to other addictive behaviors including overeating, resort to taking sleeping pills to help them fall asleep when their mind is racing, or even turn to a sexual affair. Couples need to remind themselves that they’re in it together, and they need to focus on the importance of being honest and working as a team.

Don’t Panic!

The important thing is not to panic. Aside from working through finances as a couple, you should also take times to do other things with each other. Watch your favorite TV show (which is free entertainment!), cook dinner together, exercise together. You want to keep your relationship and your passion for each other strong through this period as there will be lots of other distractions that will be needing your attention.

Talk About Money

Now is a good time to use “Smart Heart Dialogue,” which I’ve mentioned in my book, Financial Infidelity.  Smart Heart Dialogue helps you share your financial history with someone you’re becoming intimate with.

Many of these conversations can be triggered by a transition in a relationship like the financial transitions many couples find themselves in right now!  Use that transition to be open and honest in finding out what you can about the other person’s view of money.

This type of dialogue would likely work well in Washington to a). have mitigated this crisis in the first place and b). help politicians come to an agreement in terms of what’s to be done next. When talking in terms of Smart Heart Dialogue, I have some sample questions, one  of them being:

“I overspent while we were on vacation, can you lend me some money?”

The explanation I give seems especially fitting for the government’s current situation:

*The person asking for a loan may not take money and budgeting as seriously as you do. Or maybe you overspent too. Whatever the case, you need to evaluate how you deal with money, leisure activities and “spur of the moment” purchases.  

The Brain/Credit Card Connection and Your Relationship

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You are likely carrying around an emotional connection, and therefore, baggage, you didn’t even know you had. It’s a connection between your brain and your credit card debt; between your thoughts and feelings and why and how you spend money. It helps explain your views on money and debt and why you react to these things in certain ways.

Knowing about these connections and your money patterns won’t excuse you from financial problems you might face, but you can help nip these problems, and any repercussions they might have, in the bud.

I call these brain/money connections the Biochemical Craving for Connection.”  It starts when stress  causes thrill-seeking behavior. The stress can be linked as far back as childhood but can also be due to recent pain or emotional distress. 

The thrill-seeking behavior can be in the form of financial or sexual conquests and infidelities.

You’re looking for ways to self-medicate and to help calm stress levels down. At the same time, these indiscretions give you another kind of high and the cycle starts: Give into sexual or financial pressure to help relieve stress, feel a “high” for a moment, then return to stressful feelings about the situation. Eventually, the only thing that can help your problem is the problem itself!

Areas in the Brain That Communicate With Each Other

There are several areas in the brain that communicate with each other to influence emotion. When it comes to dealing with extreme behaviors such as addiction, infidelity and poor decision making, these areas may be involved:

*The limbic system is made up of several structures that work together to control emotion, hormonal secretions, moods and pain/pleasure reflexes.

*The hippocampus is a structure within the limbic system and plays a role in emotion. If this area is damaged, it can reduce your ability to distinguish safe and dangerous situation, leading you to seek out situations that may FEEL safe, but in reality, aren’t. Things like sexual affairs or financial infidelity.

*The ventral striatum and the nucleus accumbens help process satisfaction and happiness. These areas are also associated with assessing risk reward and gratification. When these areas aren’t functioning properly, people may get involved with addictive behaviors leading to things like gambling, affairs, etc., in order to stimulate pleasure responses.

For people struggling with things like debt  and/or financial infidelity, it’s helpful to figure out if these areas of the brain are coming into play. It’s also helpful to figure out what types of stressors may have triggered the Biochemical Craving for Connection in the first place so you can deal with the root cause.

Is There Really an Infidelity Gene and What Does it Mean For Your Relationship?

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A new gene discovered by scientists is being called the “infidelity gene,” but what does that actually mean, and is the name truly rooted in the scientific discovery?

Scientists at Karolinska Institutet have found a link between a specific gene and the way men bond to their partners. The same gene has been previously studied in voles, where it has been linked to monogamous behavior in males, but this is the first time that a specific gene variant has been associated with male bonding.

The Genetic Link and How it Affects Relationships

The effect of this variation is relatively small, and it cannot be used to predict with any real accuracy how someone will behave in a future relationship.

Hasse Walum, postgraduate student at the Department of Medical Epidemiology and Biostatistics, and his team found that men who carry one or two copies of a variant of a particular gene linked to hormone receptors, allele 334, often behave differently in relationships than men who lack this gene variant.

According to the study, the incidence of allele 334 was statistically linked to how strong a bond a man felt he had with his partner. Men who had two copies of allele 334 were also twice as likely to have had a marital or relational crisis in the past year than those who lacked the gene variant.

There was also a connection between the men’s gene variant and how happy their partners were with their relationship.

“Women married to men who carry one or two copies of allele 334 were, on average, less satisfied with their relationship than women married to men who didn’t carry this allele”, says Hasse Walum.

It’s Not All About Genetics

A related study was carried out several years ago, in which researchers focused on women who were twins and found that if one of a pair of twins had a history of infidelity, the chances her sister would also stray were about 55%. It found the tendency for both twins to be either faithful or unfaithful was strongest in identical pairs who have identical genes.

The executors of the study stressed that genes alone did not determine whether somebody was likely to be unfaithful. Much could be boiled down to social factors as well.

I’ve found similar things throughout my years as a therapist and believe that certain people ARE genetically predisposed to have a more difficult time being faithful. I call it the bio-chemical craving for connection.

Where Infidelity Comes From

It usually stems from three things: stress, loss or separation and leads to thrill-seeking behavior to avoid an emptiness I believe is passed down from generation to generation.

I do work with a doctor who can balance brain chemicals to allow the adulterer to bond with their partner, and not need to seek out those thrill-seeking behaviors,which I talk about in my book, Adultery, the Forgivable Sin.

Of course there are other factors at work here. For example, if you grew up in a home where one of your parents was unfaithful, or if you move in circles where discreet infidelity is somewhat accepted. But some people must fight against infidelity like others fight against alcoholism or anger.

This doesn’t mean they get a free pass. The key is to acknowledge this about yourself and keep fighting  AGAINST however you have to whether it’s through therapy, support groups or counseling.

To learn more about Dr. Bonnie Eaker Weil, check out her latest book Financial Infidelity.

How to Keep the Money Mistress From Destroying Your Relationship

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Something as seemingly ‘harmless” as hiding a purchase you made from you partner is really not harmless at all. In fact, it’s a form of financial infidelity, and can lead to greater financial infidelities.

Bigger-scale problems of this nature often come during significant relationship problems that you may be having with your significant other. For example, if you’re aware of financial or sexual infidelities going on in your relationship, you’re likely to fall into some financial infidelities of your own, or succumb to the “money mistress.”

Examples of Financial Infidelity

A few examples of financial infidelity are:

*when one partner keeps money from a work bonus for themselves without telling the other person

*over-charging at drugstores or for groceries and keeping the cash

*when one person uses money or spending as a way of “keeping score”

Why People Succumb to Financial Infidelity

There are several ways to, and many reasons why, people fall into this type of behavior. The most basic and common can be when you’re already experiencing things like this at the hands of your partner.

It can be tempting to retaliate in similar ways. You may even be in a relationship where you’re aware of a sexual affair, and you’re using your bank account to “get back” at the other person.

One couple I worked with had this problem. The woman was aware of her husband’s affair (as he wasn’t really doing much work to hide it) so she would see the purchases he made for his mistress, would add up the cost of these purchases, and then buy something for herself that cost that amount. She used this behavior as a way of trying to make herself feel good, and as a method of getting back at her spouse.

Of course the person already engaging in financial or sexual infidelities isn’t in the right either, but by retaliating or spending behind your partner’s back, you’re also taking part in what I call a “PoP shot” – or a “Pissed off Purchase!”  You’re fueled by anger towards the other person’s infidelities, whether they’re sexual or financial, and you decide to take action by using the bank account for leverage.

There are other versions of this situation that aren’t as drastic. I’ve seen cases where one partner overspends, and the other feels entitled to spend a similar amount, or in a similar way creating another type of money mistress. One key solution to the problem of a money mistress is to learn to fight fair.  Don’t let money be your weapon.

Rules to Make Sure You Talk About Money

Here are a few rules I set forth in my book to help make sure you talk about money, and to break its control in your relationship:

*Ask permission. You want the other person to be engaged in the conversation, so make sure it’s a good time for them, too. You should make an “appointment” for a specific time to make sure that the issue will be handled.

*Put time limits on the “fight.” It’s OK to walk away and come back later as long as it’s mutual and done with respect. Everyone has different thresholds for what they can tolerate during an argument.

*Use “I” sentences. Don’t blame or criticize.

*Echo what you hear and validate your partner’s feelings. Truly listen to the other person and let them hear you repeat their thoughts and concerns back to them. This assures them that you ARE paying attention and not just continuing with your “agenda.”

*Detach from your emotions. Try not to let your responses be emotional, but rather focus on the facts and the truth.

After a fair and productive fight, remember things that each person need to work on, and commit to trying to change the behaviors that may have created “money mistresses” or “pissed off purchases” in the past.

Struggling With Power And Money In Your Relationship?

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In spite of feminism’s best efforts, in spite of our determination otherwise, decades of clearly defined gender roles can simply prove hard to undo, and women today may still be fearful of their wealth and power.

Subconsciously (or, even consciously) they don’t want to outshine men, because they know that men can feel obsolete when they’re no longer the breadwinner. In traditional gender roles, men may be more defined by money, therefore when they’re not the one bringing home the biggest paycheck, it can weigh on their ego.

Sometimes, it’s not only men who are conflicted when their role as breadwinner comes into question. Often, women are uneasy about this circumstance, if only subconsciously.

Money conflicts in relationships

The most common way these feeling manifest themselves in a marriage or relationship where the woman is making more than, or has just as much professional responsibility as, her male counterpart, is through conflict that centers on money.

No matter what stage of a relationship you’re in, there are tips and tricks to keep in mind in order to  help minimize these struggles. Even if you’re still early on in a dating relationship and you’re unsure of who makes more, it’s nice to have these ideas in the back of your mind just in case the situation arises.

Money shouldn’t be the most important thing in a relationship, or in life, but it is often the most PROMINENT cause of struggle, even among friends.

What men can do if their significant other makes more money…

*Validate what she does professionally, since that is a big part of who she is, and she no doubt wants your support!

*Focus on the positives of your situation. You may have more free time, more entrepreneurial possibilities and freedom to take more financial risk

*Encourage her if she’s traveling for work or working late hours. Don’t contribute to the guilt she may feel

What women can do…

*Be his biggest advocate concerning the role your partner has professionally and  in  your relationship.

*Be discrete. Don’t brag about your earning power. This is something that should be done no matter WHO’S making more!

*Discuss money, but in the context of shared goals. Acknowledge that his paycheck is also helping you reach these goals

What to do together…

*Take turns paying the bills so it doesn’t feel like one person has the “financial upperhand.”

*Prioritize

*Negotiate

*Discuss any resentment immediately

*CREATE moments for fondness and appreciation.

Everyone struggles

Married AND single people struggle with these things and it can be hard for women who tend to have society telling them two very different things.

1).  They are encouraged to pursue their dreams, but 2). are sometimes made to feel guilty if they outshine men or chose their career over “traditional” feminine roles. This creates problems not only for the women themselves, but for their significant others as they try to relate to the woman in their lives.

Men and women, ingeneral, have different approaches to acquiring power and money, so it becomes even more important to take the tips above to heart and to communicate with your partner to avoid sliding into any type of revenge behavior or financial infidelity.