Working With Your Differences

By Dave Ramsey
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Even number-nerds and financial free-spirits can work together toward a successful financial future.

Men and Women – Nerds and Free Spirits

It has been established that men and women have different financial and communication styles. Add to that the fact that opposites attract. Now we have room for conflict everywhere.

In a marriage one spouse is usually more creative and spontaneous than the other. That mate is a little — or even a lot — less organized and tends to see budgeting as a form of torture or control. I call this mate a Free Spirit. The other mate likely has more administrative skills and more of a bent towards numbers; this mate also tends to shoulder responsibility for the budget. Deep inside him or her is a Nerd. A Nerd has the capacity to create a 17-page perfect budget and present it to the family like a gloating dictator. The Free Spirit will smile — and then spend money however he or she wants to. And the budget wars are on.

How Can This Work?

A Word to the Nerd

Nerd, you should be the one to prepare the budget, because that’s what we Nerds love to do. Next, submit it to the budget committee, meaning you and your spouse.

When you submit the budget (a.k.a. your masterpiece), remember to be quiet and listen. Your Free-Spirit spouse will not come to any more meetings if all you do is tell him or her what to do. The first draft of the budget is your chance to have your “say.” After that, sit back and listen. Accept the fact that your mate has valid input. Remember, you are doing this to coax your spouse into better money management and financial unity — and believe me, your concessions are a small price to pay for unity.

The budget committee needs to have rules. First, keep the meeting brief. It’s a budget committee meeting, not a Camp David accord. Nerds like me love to look at all possible scenarios and projections. However, when the objective is agreement with your Free-Spirit spouse, you have about a 17-minute window of opportunity before he or she tunes out. Oh, you may see a physical body still sitting across the table from you, but his or her mind will have moved on to non-Nerd, non-budgetary activities.

Nerd, your three rules for the budget committee meeting are:

  1. Listen.
  2. Take input.
  3. Keep it brief.

Rules for the Other Side

Free Spirits, you must show up for the budget committee meeting. This activity is important to your marriage and to your children’s future. The only way you can defend your position is to come to the meeting.

During the budget committee meeting, there is a phrase you must resolve to never say again: “Whatever you want to do, Honey.” Wrong, cop-out breath! You have to stick in there and make this work. And as you sit there, you must be a grown-up and realize that we cannot spend more than we make and have financial security or build wealth. Your wants, needs, and desires must be combined with those of your family, and the new total must be less than your family income.

Free Spirit, your three rules are:

  1. Show up.
  2. Give input.
  3. Be realistic.

Although men and women are different, common sense tells us we have to work together. You spenders need a saver in your life, or you’ll retire eating Alpo. You savers need a spender in your life so you’ll have a life. Remember, you are no longer two individuals, but one couple. Working together is the only way to survive bad times and prosper in good ones.

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Copyright © 2005, Dave Ramsey. All rights reserved. International copyright secured. Used by permission.

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Learn How to Cherish your Spouse and Have a Deeper Connection

Why doesn’t my son listen to me? What does it mean to cherish your spouse? Couples who cherish each other understand that God created everyone different, and as a result they treasure the unique characteristics in their spouse. We want to help you do just that. Focus on the Family has created a free five-part video course called "Cherish Your Spouse". In this video series, Gary Thomas will help you have a deeper level of intimacy and connection with your spouse.
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About the Author

Dave Ramsey

Dave Ramsey is a personal money management expert and the popular host of the nationally-syndicated radio program “The Dave Ramsey Show,” which is heard by 12 million listeners each week. His best-selling books – including Financial Peace, The Total Money Makeover and More Than Enough – have sold more than 10 million copies combined. Dave is the creator of Financial …

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