Money is one of the most significant sources of conflict in marriage, with financial stress playing an essential role in marital stability. Studies show that 60–70% of couples experience major money-related conflicts, making it one of the top causes of divorce. 48% of couples with over $50,000 in consumer debt cite money as a top reason for arguments, meaning financial strain can surface anytime if it's not managed early.
The average married couple argues about money 58 times per year. That is more than once a week.
However, financial stress does not always start during marriage. 63% of all marriages start in debt, often creating stress from the beginning. Additionally, 41% of newlyweds feel pressured to overspend on their wedding, leading to financial strain before settling into married life.
The financial habits and decisions you establish now will shape your future for years to come.
However, it doesn’t have to be that way. When couples learn how to manage money together, they can build a future of peace, security, and financial freedom. With that, we are happy to introduce Rev. Timothy Young, our newest minister on staff. In addition to premarital counseling and officiating weddings, he brings a critical skillset and service to couples. Timothy is a Financial Master Coach through Ramsey Solutions. Because we have seen so many couples struggling with finances, we wanted services to address that need. That is why we now offer Financial Peace University to our couples.
What is Financial Peace University?
Financial Peace University (FPU) is based on Dave Ramsey's proven principles. It is a step-by-step system designed to help couples take control of their finances, get out of debt, and create lasting wealth together.
“Couples who fight about money once a week are 30% more likely to divorce than those who disagree about finances less frequently.” -Ramsey Solutions.
Taking FPU and working with our Financial Master Coach, Timothy Young, can be among the smartest investments in your marriage. FPU can help you avoid unnecessary debt, align your financial goals, and set yourselves up for long-term success.
Our philosophy at WeddingChaplain.com is that we prepare you for a wedding and marriage. The wedding is just the beginning. Finances play a significant role in a successful marriage, and we have seen firsthand how money struggles create stress and tension. That’s why we are dedicated to helping couples confidently navigate financial decisions. Whether preparing for newlywed life, avoiding financial pitfalls, or setting long-term financial goals, Timothy helps couples go from feeling overwhelmed and stressed to feeling confident and in control of their money. Financial coaching isn’t just about numbers—it’s about getting you and your spouse on the same page, dreaming together, and building a future without financial stress.
Many couples assume financial coaching isn’t necessary because they don’t currently argue about money. Money fights are more common in marriages than many people realize, and Financial Peace University (FPU) has been proven to help couples reduce financial tension. Couples who complete FPU can experience up to a 50–60% reduction in debt within the first six months and report improved financial communication and decision-making. The program provides a clear, proven plan to achieve financial stability, including creating a budget that works for both partners, eliminating debt, and saving for the future. Additionally, FPU helps couples build an emergency fund to protect their marriage from unexpected expenses and improves communication, preventing financial disagreements before they even start.
Some newlyweds hesitate to seek financial coaching because they feel they don’t have enough money to justify planning ahead. However, the earlier you start, the better. Newlyweds who engage in financial coaching report a 70% reduction in financial stress, with 85% noticing better alignment in financial goals and budgeting practices. Learning wise money habits during engagement makes it easier to avoid debt, build savings, and create wealth together. Even couples who already know how to budget often find that coaching helps them set long-term financial goals, align priorities, and prepare for significant life events. Others may feel comfortable living paycheck to paycheck, but unexpected medical bills, job loss, or emergencies can ruin even the best-laid plans. Financial coaching helps couples prepare for the unexpected and create lasting financial security.
“The best marriages have a shared vision for their finances. When you and your spouse are on the same page financially, you’re setting yourselves up for lifelong success.” - Dave Ramsey
A Financial Master Coach can also help you start your marriage on the right foot, allowing you to look forward instead of worrying about the past. Many couples begin their marriage burdened by wedding debt, student loans, or financial uncertainty. A coach can help you develop a clear plan to eliminate debt, ensuring you enjoy your new life together without financial anxiety. Instead of focusing on past financial mistakes, you can move forward confidently, knowing you have a solid financial foundation. Whether planning for your honeymoon, buying a home, or simply creating a sustainable budget, financial coaching provides the guidance you need to set yourselves up for success.
Getting started is simple. If you’re ready to take control of your finances, you can enroll in a privately coordinated FPU class by contacting me directly. This class is designed for engaged and newly married couples, teaching proven strategies to manage money, eliminate debt, and build wealth together. For couples who want more in-depth guidance, Tim also offers one-on-one financial coaching, including the complete Financial Peace University program and personalized coaching to create a customized financial plan that works for you. Whether you need help paying off debt, saving for a home, or planning for the future, Tim will work with you to develop a strategy that fits your needs.
Money doesn’t have to be a source of stress in your marriage. Financial Peace University and personalized financial coaching will give you the tools and confidence to build a thriving, financially secure future together. Take the first step today—enroll in FPU, schedule a coaching session, and start your journey toward financial peace. Let’s work together to build a financially strong marriage.
You can request more information on our contact page, or you can email Timothy directly at tim@weddingchaplain.com
