Welcome to the Modern Husbands podcast, where any combination of Dr. Ross, Christian, and Brian host national experts who share winning ideas to manage money and the home as a team. Join your fellow modern husbands and have links to our podcasts, articles, and other resources to manage money and the home as a team sent to your inbox every couple of weeks by subscribing to our newsletter at modernhusbands.com. This week we are honored to welcome Dr. Michelle Kruger CFP®, who holds a Ph.D. in Financial Planning, Housing, and Consumer Economics. Her dissertation focused on Financial Satisfaction and the Joint Financial Management of Couples. Dr. Kruger is also the author of The Psychology of Financial Planning: Practitioner Resource Guide. as well as other articles and case studies for CERTIFIED FINANCIAL PLANNER™ practitioners. She is currently a Senior Financial Planner at Gratus Capital as well as a Part-Time Lecturer at the University of Georgia and Modern Husbands Advisory Board Member. For today’s show we are going to discuss how couples can agree about how they spend money. Show Notes 0:00 Introduction 1:18 How Dr. Kruger uses her educational background to support her married clients and the importance of both spouses attending and engaging in financial planning meetings. 7:20 Dr. Kruger and Dr. Ross work through questions she poses to couples, the purpose of the questions, and some of the challenges she sees couples face, and how to work through them.  8:00 Q1 What are our long term goals as a couple/household?12:20 Q2 and Q3 Do we agree on how we spend and save our money?18:10 Understanding the psychology behind why it is so hard for many to save for the future but spend in the moment25:44 Q4 Do we align in our willingness and comfort level when it comes to taking risk? 33:54 Q5 Who is responsible for day-to-day management of household finances and planning for the future?  Will it be a joint activity or will one person be primarily responsible? And once an arrangement is decided on, are both partners truly comfortable with that arrangement? 39:37 One piece of easily actionable advice for our listeners Michelle Kruger, Ph.D., CFP® https://www.linkedin.com/in/krugermichelle/  Subscribe or follow Modern Husbands on social media! Newsletter Facebook YouTube LinkedIn Instagram Twitter TikTok Substack