Arguments about money are one of the top reasons couples fight—and even separate. But according to Karlo Biglang-Awa, a Registered Financial Planner (RFP), these conflicts are often less about money itself and more about a lack of communication. In an interview with Financial Adviser PH, he emphasized that creating a shared financial vision is one of the most powerful tools couples can use to build a stronger, more united marriage.
“When spouses are on the same page financially, they’re not just planning for goals—they’re building trust and teamwork,” Biglang-Awa said.
Here’s why talking about money could save your marriage, and how to do it effectively.
The Silent Strain in Marriages
Biglang-Awa noted that many couples start their lives together without discussing financial expectations. “Some assume their partner will handle the bills, others think major decisions can be made later,” he explained. “But if you don’t communicate early, misunderstandings pile up.”
This silence can become dangerous when expenses increase, like when a child is born or when big-ticket purchases come into play. Left unchecked, the stress can push couples apart instead of closer together.
Why Communication Matters More Than Numbers
For Biglang-Awa, it’s not just about calculating budgets and returns. It’s about aligning dreams and values.
“Money decisions reflect what’s important to you,” he said. “If one spouse dreams of traveling while the other prioritizes saving for a house, conflict is inevitable unless you talk it out.”
He recommends setting aside dedicated time to discuss financial goals. Couples should outline short-term goals (1–3 years), medium-term (4–10 years), and long-term (11 years and up). “Don’t just talk about numbers—talk about what these goals mean to you as a couple,” he added.
Building a Shared Financial Vision
So how can couples actually put this into practice? Biglang-Awa shared a few steps:
Start with transparency. List down your household income, cash inflows and outflows, and existing debts. “Both spouses should see the full picture,” he said. “Secrets and half-truths destroy trust.”
Prioritize together. Decide which goals come first. Maybe it’s buying a car, building an emergency fund, or saving for a child’s education. “When couples agree on priorities, they avoid unnecessary fights about spending,” Biglang-Awa explained.
Be flexible. Life won’t always go as planned. Promotions, salary increases, or unexpected expenses—like having another child—can change the timeline. “Goals are not set in stone. What matters is the commitment to adapt together,” he said.
Celebrate small wins. Whether it’s paying off a loan or saving your first ₱50,000, reward yourselves. “It builds momentum and reminds couples that they’re achieving progress as a team,” he added.
The Role of Health and Retirement
Many couples focus heavily on immediate needs like housing or cars, but Biglang-Awa reminded them not to overlook health and retirement.
“Health is wealth. One medical emergency can wipe out years of savings,” he said, stressing the need for insurance and preventive care. He also advised couples to start retirement planning as soon as they earn their first salary.
“Too few Filipinos prepare for retirement, which leads to the cycle of dependency,” he noted. “If you want your children to thrive, prepare now so they won’t need to shoulder your expenses later.”
Faith and Balance in Financial Planning
Beyond strategies, Biglang-Awa emphasized the importance of grounding financial planning in shared values and faith.
“As you plan, don’t forget the bigger picture,” he said. “Prioritize your marriage more than money, and always trust God in the process. Wealth without unity or purpose is empty.”
Final Takeaway
For Biglang-Awa, financial planning as a couple is more than spreadsheets and strategies—it’s about cultivating trust and partnership.
“Money should bring couples closer, not tear them apart,” he told Financial Adviser PH. “With open communication and shared goals, finances become a bridge to deeper love and stronger commitment.”
By making time for honest money conversations, couples can protect not just their wallets, but their marriages as well.
