He said, she said- The money train
Money fights are rarely about money. Discover the real reasons couples clash over saving and spending—and how honest conversations can turn conflict into connection.
Christopher Lunn
12/31/20252 min read


💰 He Said: “I Want to Save.”
💋 She Said: “I Want to Spend.”
The Fight That’s Rarely About Money
He checks the bank accounts like it’s his job.
She opens Amazon like it’s therapy.
And that’s where the battle begins.
Financial expert Dave Ramsey says,
“Money fights are never about money. They’re about power and priorities.”
He feels right.
He saves to feel safe.
She feels right.
She spends to feel alive.
⚖️ Two Languages, One Bank Account
Psychologist Terri Orbuch found that couples who argue about money weekly are 30 percent more likely to divorce. It’s not the math—it’s the mindset.
He grew up hearing, “Don’t waste what you worked so hard for.”
She heard, “You can’t take it with you when you go.”
Now those childhood tapes are driving today’s arguments.
💬 What They’re Really Saying
He isn’t mad she bought the shoes; he’s scared their security is slipping away.
She isn’t mad he wants to save; she’s tired of feeling guilty for wanting to live.
Author Morgan Housel puts it this way:
“Saving is the gap between your ego and your income.”
He’s saving to shrink anxiety.
She’s spending to shrink emptiness.
Different mindsets—but both come from the same place: fear.
❤️ The Way Out
Forget the checkbook for a minute. Talk honesty.
“When we overspend, I feel unsafe.”
“When we never enjoy anything, I feel sad.”
When we share our fears, we understand each other better—and can find balance.
Remember, your partner isn’t the enemy. Teamwork means you both get to win.
Maybe the smartest investment you can make today isn’t in your 401(k).
Maybe it’s learning how to talk about money without turning on each other.
If you’re tired of the same fight about saving and spending, stop arguing the math and start learning the mindset.
Money for Couples by Ramit Sethi is a quick, practical read that can save you years of frustration.
For more unfiltered truth and tools for marriage that lasts, check out FanIntoFlames.online — where we turn the real stuff couples face into fuel for growth.
