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Personal Finance: Another Perspective


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Title: Personal Finance: Another Perspective

Personal Finance Another Perspective
  • Family 1 Money and Marriage
  • Note Most of the ideas from this section are
    from Gordon B. Hinckleys Proclamation on the
    Family and Bernard E. Poduska, For Love and
    Money How to share the same checkbook and still
    love each other, Brooks/Cole Publishing, 1993.
    The book is a great resource, but out of print.
    It can be purchased at or

  • A. Understand the key principles of money and
  • B. Understand why money may be an issue in
  • C. Understand a few recommendations for money
    and marriage

Personal Financial Plan
  • Section XI. Money and Relationships
  • If you fill out TT21 - Questions on Money and the
    Family you will fulfill the requirements for
    this section. It covers family and finances
  • How did your family handle their finances?
  • How did they teach you financial responsibility?
  • How did they prepare for missions and education?
  • Action Plan
  • How will you handle finances in your family?
  • How will you teach your children finance?
  • How will you save for your childrens education
    and missions?

Ten Key Principles of Marriage and Money
  • Are there principles of marriage and money that
    can help us to be happier and wiser stewards over
    our blessings?
  • Yes
  • Are there only ten?
  • No
  • But these will at least give you something to
    think about as you ponder this topic
  • You will likely have many more than ten principles

Key Principles of Marriage and Money (continued)
  • 1. The family is ordained of God
  • From the Proclamation on the Family, it states
  • The family is ordained of God. Marriage between
    man and woman is essential to His eternal plan.
    Children are entitled to birth within the bonds
    of matrimony, and to be reared by a father and a
    mother who honor marital vows with complete
    fidelity. (Proclamation on the Family, 1995)
  • President Hinckley said
  • We must work at our responsibility as parents as
    if everything in life counted on it, because in
    fact everything in life does. If we fail in our
    home, we fail in our lives. No man is truly
    successful who has failed in his home. (Each a
    Better Person, Ensign, Nov. 2002, 99.)

Principles of Marriage and Money (continued)
  • 2. Your spouse has priority
  • President David O. McKay said
  • Let me assure you, Brethren, that some day you
    will have a personal priesthood interview with
    the Savior, Himself. . . I will tell you the
    order in which He will ask you to account for
    your earthly responsibilities. First, He will
    request an accountability report about your
    relationship with your wife. Have you actively
    been engaged in making her happy and ensuring
    that her needs have been met as an individual?
    From Notes of Fred A. Baker, Managing Director,
    Department of Physical Facilities, as quoted by
    Robert D. Hales, BYU Devotional, 15 March 1988.

Principles of Marriage and Money (continued)
  • 3. Marriage partners are equal
  • From the Proclamation on the Family, it states
  • By divine design, fathers are to preside over
    their families in love and righteousness and are
    responsible to provide the necessities of life
    and protection for their families. Mothers are
    primarily responsible for the nurture of their
    children. In these sacred responsibilities,
    fathers and mothers are obligated to help one
    another as equal partners. (Proclamation on the
    Family, 1995)
  • Equal partners means both have equal
    responsibility and equal say in financial matters

Principles of Marriage and Money (continued)
  • Control of money by one spouse as a source of
    power, or failure to be a part of financial
    management are both inappropriate. Elder Marvin
    J. Ashton wrote
  • Management of family finances should be mutual
    between husband and wife in an attitude of
    openness and trust. Control of the money by one
    spouse as a source of power and authority causes
    inequality in the marriage and is inappropriate.
    Conversely, if a marriage partner voluntarily
    removes himself or herself entirely from family
    financial management, that is an abdication of
    necessary responsibility. (Marvin J. Ashton,
    Guide to Family Finance, Liahona, Apr. 2000, 42)

Principles of Marriage and Money (continued)
  • 4. Marriage partners should seek the best
    interests of the family
  • From the LDS Family Relations manual it states
  • When a husband and wife work together to manage
    their finances, they become unified in an
    important effort to set their home in order.
    Some of the most serious problems in marriage
    arise when financial resources are not managed
    carefully and in the best interest of the family.
    (LDS Church, Marriage and Family Relations
    Instructors Manual, A Strengthening Marriages,
    8 Managing Family Finances, Purpose, 2000, 35.)
  • We should follow the example of Christ. Nephi
  • He doeth not anything save it be for the benefit
    of the world for he loveth the world. (2 Nephi

Principles of Marriage and Money (continued)
  • 5. Financial problems are usually behavioral
    problems, not money problems
  • The Lord shared a parable in which explained
  • For the kingdom of heaven is as a man travelling
    into a far country. . . and delivered unto them
    his goods. And unto one he gave five talents, to
    another two, and to another one But he that had
    received one talent went and digged in the
    earth, and hid his lords money. (Matt 2514-18)
  • All three had the same opportunity. It wasnt
    money, but the use of that money that made the
    difference. The Lord expects more from us!

Principles of Marriage and Money (continued)
  • 6. Change is necessary
  • If you always do what you have done, you will
    always get what you have always got!
  • For whatsoever a man soweth, that shall he also
    reap. (Galatians 67 )
  • If you
  • Continue to spend instead of save, you will
    continue living from paycheck to paycheck.
  • Continue to borrow to support a lifestyle, you
    will continue to get further and further into
  • Continue to save and invest wisely, you will
    likely continue to achieve your goals

Principles of Marriage and Money (continued)
  • 7. Money spent on things you value leads to
    satisfaction and accomplishment.
  • In Matthew 624, 31-33 it states
  • No man can serve two masters for either he will
    hate the one, and love the other or else he will
    hold to the one, and despise the other. Ye cannot
    serve God and mammon. . . But seek ye first the
    kingdom of God, and his righteousness and all
    these things shall be added unto you.
  • If you know your goals, you will spend your money
    on those things that you value. If you do not,
    you will scatter your resources (and your time)
    trying to determine what is important to you.

Principles of Marriage and Money (continued)
  • 8. Financial freedom is more the result of
    decreased spending than increased income
  • In Psalms 2120 it states There is treasure to
    be desired and oil in the dwelling of the wise
    but a foolish man spendeth it up.
  • There is a difference between financial
    independence and financial freedom
  • Financial independence is the acquisition of
    enough wealth to enable you to sustain a high
    standard of living without further effort
  • Financial freedom is having enough discretionary
    income to enable you to make the financial
    choices that are important to you

Principles of Marriage and Money (continued)
  • 9. Spouses are to leave their parents and become
  • Therefore shall a man leave his father and his
    mother, and shall cleave unto his wife and they
    shall be one flesh. (Genesis 224)
  • Spouses are to leave the things their parents
    did, including the things their parents did
  • They are to work together to become one one in
    purpose, one in unity, and one in goals

Principles of Marriage and Money (continued)
  • 10. The best things in life are free
  • Nothing is more important than eternal life
  • Seek not for riches but for wisdom, and behold,
    the mysteries of God shall be unfolded unto you,
    and then shall you be made rich. Behold, he that
    hath eternal life is rich (DC 67, 117).
  • The things which are truly the most important to
    us, and that will make a difference in our lives
    are not those things which cost money
  • They are those things which bring us closer
    together as families and communities, both
    temporally and spiritually.

Summary of the 10 Key Principles of Marriage and
  • 1. The family is ordained of God
  • 2. No one or nothing is more important than your
  • 3. Partners are equal
  • 4. Partners should seek the best interests of
    the family
  • 5. Financial problems are usually behavioral
    problems, not money problems

Principles of Marriage and Money (continued)
  • 6. Change is necessary.
  • 7. Money spent on things you value leads to
    satisfaction and accomplishment
  • 8. Financial freedom is more the result of
    decreased spending than increased income
  • 9. Spouses are to leave their parents and become
  • 10. The best things in life are free

  • Any questions on the 10 key principles of
    Marriage and Money?

B. Understand Why Money May be an Issue in
  • Elder James E. Faust commented
  • Money itself seems neither to make a couple
    happy, nor the lack of it, necessarily, to make
    them unhappy, but money is often a symbol of
    selfishness. (James E. Faust, The Enriching of
    Marriage, Ensign, Nov. 1977, 9.)
  • To minimize money problems in marriage, we should
    learn the potential problem areas and know how to
    eliminate them
  • What are the potential problem areas in marriage?

Why Money May be an Issue (continued)
  • In a survey conducted by Worth magazine
  • Couples admitted to fighting about money more
    than anything else.
  • A staggering 57 of those surveyed agreed with
    the statement, In every marriage, money
    eventually becomes the most important concern.
    (Eric Tyson, Personal Finance for Dummies, IDG
    Books Worldwide, 2000. p. 10)
  • Why do you think this is the case?
  • What do you think are the major reasons money is
    such an issue in marriage and relationships?

Lack of Financial Knowledge
  • Why the lack of knowledge regarding personal
  • Ignorance
  • They truly dont know about personal finance
  • Carelessness
  • They know, but dont want to put it into practice
  • Compulsiveness
  • They know, but cant discipline their spending
  • Pride
  • They know but dont do, because how they look to
    others is more important than how they look to God

Lack of Knowledge (continued)
  • What can be done?
  • Ignorance
  • Learn about finance. Finish this series. Make
    learning a lifelong process.
  • Write out your personal and family goals, and
    complete your personal and financial plan
  • Carelessness
  • Become exact in all you do
  • Keep good records and keep learning
  • Get and stay on a budget
  • Be accountable for your spending

Lack of Knowledge (continued)
  • Compulsiveness
  • Learn to live a disciplined life
  • Ask Does this action get me closer to or farther
    from my personal / family goals?
  • If it brings you closer, do it.
  • Pride
  • Put God first in your lives
  • Ask Does this action bring me closer to God
    and obedience to His commandments?
  • If it doesnt, dont do it.

2. Lack of Communication
  • Why is communication between spouses so critical?
  • Communication is a sign of respect between
  • Be willing to understand, discuss, and reconcile
    attitudes early in a relationship
  • Resolve misunderstandings before they escalate
  • Implement family processes that promote trust and
    mutual discussion

Lack of Communication (continued)
  • What can be done?
  • Develop a regular communication plan (weekly,
    monthly, quarterly, annually)
  • Ideally, a weekly finance/inventory meeting where
    you discuss finances, budget, investments, etc.
    should be one of your most important meetings
    (after church meetings, FHE, temple attendance
    and weekly dates)

Differences in Financial Personality Types and
Family Baggage
  • How have family rules and personalities shaped
    your attitudes and beliefs about finances?
  • Think how you were brought up
  • Your spouse was likely brought up differently

Financial Personality Types (continued)
  • Miser
  • Dad/mom pays cash for everything
  • Mom/dad pays the bills and kept the books
  • The family never talks about money
  • The family never knows where they are financially
  • Spender
  • Dad/moms motto is shop til you drop
  • Mom/dad always feel that things will work out
  • There is no budgeting or planning for major
    purchases, and no planning for the future
  • If I cant take it with me, then Im not going!

Financial Personality Types (continued)
  • Unequally Yoked
  • Mom/dad only gives spouse a little money each
    weekspouse has to ask whenever they want
    anything else
  • Mom/dad has the final saythe purse is power
  • Mom and dad are not equal partners
  • Selfish Provider
  • Dad/mom said since they earned the money, they
    would decide where the money went
  • Mom/dad has to ask when they need money
  • There are no goals, no budget, or plan for large
    purchases, future retirement, or education

Financial Personality Types (continued)
  • Sleeper
  • Disasters and crisis happen to others, not us.
  • We pay tithing--its like guaranteed insurance. .
  • We dont have to plan, because things always work
  • The Wise Steward
  • We pay the Lord first, and ourselves second
  • We save part of everything we earn
  • We share basic financial information as a family
  • We are wise stewards over all we have

Financial Personality Types (continued)
  • What can be done?
  • Recognize that you and your spouse grew up
  • Accept it! Work it out together
  • While you cannot control how you were brought up,
    you can control how you work together
  • Work together as equal Christlike partners
  • Work through communication and the development of
    common goals
  • Know what you both want to accomplish in life,
    then work toward those goals

Financial Personality Types (continued)
  • Elder Robert D. Hales said
  • If the example we have received from our parents
    was not good, it is our responsibility to break
    the cycle. Each person can learn a better way
    and in so doing bless the lives of family members
    now and teach correct traditions for the
    generations that follow (How Will Our Children
    Remember Us? Ensign, Nov. 1993, p. 10).

4. Lack of Shared Goals
  • Why does the lack of shared goals result in so
    many problems in marriages?
  • Marriage
  • Family
  • Friends
  • Service
  • Missions
  • Worthy causes

Lack of Shared Goals (continued)
  • What can be done?
  • Individually write down your personals goals
  • Then as a couple, discuss each others goals with
    the goal solely to understand
  • You do not evaluate or criticize their goals
  • As a couple, write your Family Financial Plan
    incorporating both family and personal goals
  • Develop family goals, then prioritize your family
  • Work toward what you think are your most
    important goals

Lack of Shared Goals (continued)
  • Then write your other goals
  • Starting a family
  • Educating your children, helping them during
    school, and helping them during and after
  • Charitable giving
  • Owning a business
  • Saving for a big purchase (a car, a trip to
    China, etc).
  • Recreation and vacations

Lack of Shared Goals (continued)
  • Remember to always keep your priorities in order
  • Pay the Lord firstan honest tithing and generous
  • Pay yourself second and invest your money wisely.
    Live on a budget and get and stay out of debt
  • Prepare for emergencies, with cash reserves, food
    storage, and adequate insurance
  • Save for retirement, and then education and
    missions for your children
  • Allocate funds wisely for other personal and
    financial goals

5. Lack of Gospel Maturity
  • Why do problems arise when we do not live our
    lives consistent with the way we know we should
  • As we study, ponder, pray, and live the gospel,
    we live worthy of the influence of the Holy
    Ghost. We then can have strength and inspiration
    to understand where we are, to recognize our
    weaknesses, and to know what we need to do
  • Then, with that knowledge, we can work so that
    our weaknesses can be made strengths with Gods
    help (Ether 1227).

Gospel Maturity (continued)
  • Gospel maturity is doing those things necessary
    to bring us back to our Heavenly Father. King
    Benjamin gave us the method for becoming mature
    in the gospel
  • For the natural man is an enemy to God, and has
    been from the fall of Adam, and will be, forever
    and ever, unless he yields to the enticings of
    the Holy Spirit, and putteth off the natural man
    and becometh a saint through the atonement of
    Christ the Lord, and becometh as a child,
    submissive, meek, humble, patient, full of love,
    willing to submit to all things which the Lord
    seeth fit to inflict upon him, even as a child
    doth submit to his father (Mosiah 319).

Reasons Money may be an Issue (continued)
  • What can be done?
  • Remember your ultimate goal, which is exaltation
    with your spouse
  • Behold he that hath eternal life is rich
  • Remember your ultimate interview with the Savior.
  • Work on those things that will be asked first
  • Remember your stewardship over your blessings
  • You will have to give an accounting
  • Remember to choose wisely
  • For you are His steward and are accountable for
    your choices

C. Recommendations for Money and Marriage
  • Following are a few ideas which have been helpful
    in my marriage
  • Please note that I am not a family therapist or
    expert in family matters. I just have seven
    kids, two sons-in-law, 1.5 grandchildren and am
    still married
  • I am only a teacher with a few ideas (and ideas
    can be very dangerous!!!)

Recommendations (continued)
  • 1. Delegate Action, but Share Responsibility
  • It's not unusual for one spouse to play the
    primary role in managing the finances, but it is
    critical that both are involved and aware
  • Make sure both are involved
  • If one has more knowledge, it is their
    responsibility to teach the other
  • Switch responsibilities each year or so
  • Be certain you can clearly articulate all assets
    and liabilities and locate the necessary back-up
  • Hide no spending from each other
  • Hide no assets or liabilities from each other

Recommendations (continued)
  • While some decisions may be delegated, major
    decisions must be agreed on beforehand
  • Set a limit over which purchases must be
    discussed, i.e. 20, except groceries
  • This will increase as your assets increase
  • Remember that managing the various dimensions of
    your partnership is a shared mutual
  • If both are not on the same page financially,
    help each other learn about financial
  • Teach your spouse, because once you are gone,
    your spouse will have to do the work

Recommendations (continued)
  • 2. Develop family goals as a couple
  • Develop and work on specific family goals
  • Agree on and write down your family goals
  • Saving should be a weekly activity
  • Opinions should be discussed freely and openly
    without fear of ridicule.
  • We must agree to disagree agreeably
  • If you have concerns about your partner's
    spending, financial decisions or your delegated
    role in managing money, make sure you express
    those thoughts and opinions in a Christ-like
  • Memorize and live DC 121 34-46.

Recommendations (continued)
  • 3. Separate real" from imagined problems
  • Too often arguments over money are about things
    entirely different. Separate out the real from
    the imagined problems
  • Finances and the things you "own" are very
    tangible assets, and hence it is easy to project
    emotional issues onto these money matters.
  • Think carefully before discussing these concerns
  • Ensure there isn't a larger problem at the core
  • Set up an established time when you can discuss
    spending and financial issues
  • Avoid discussing finances at a time or place that
    may have or cause pre-existing stress

Recommendations (continued)
  • 4. Keep the romance alive
  • Elder L. Tom Perry counseled
  • Perhaps it would also be appropriate to have a
    date with our wives each week, to remind us of
    the great blessing they are in our lives (L. Tom
    Perry, Family Traditions, Ensign, May 1990,
  • I further encourage time alone each quarter and
    each year with only your spouse (without the
  • After all, when the kids are grown, there will
    still be the two of you

  • Any questions on why money may be an issue in
    relationships, and what you can do to minimize
    those issues?

Review of Objectives
  • A. Do you understand the key principles of money
    and marriage?
  • B. Do you understand why money may be an issue in
  • C. Do you understand a few recommendations on
    Money and Marriage?

Case Study 1
  • I received the following email. What problems do
    you see and what recommendations would you make?
  • I would be interested in a unit on the emotional
    component of money, and how to avoid contention
    when two people have opposite ideas of how money
    is to be managed. Sometimes, the pathway of
    applying correct principles leads right to the
    doorway of contention.
  • For example one spouse believes in your advice
    to save a small amount of money. The other
    spouse refuses to allow that and insists on
    spending it. If the spender is the husband and
    the saver is the wife, how do you reconcile those
    positions while avoiding contention?

Case Study 2
  • How does your answer change with this second
    email? A. What are the problems? B. How would
    you respond?
  • How does the more sophisticated money manager
    spouse, say the wife, remain patient with the
    more primitive money manager, say the husband,
    when real financial harm or financial chaos is
    being created? How can that be tolerated in
    order to avoid contention? Which is the higher
    priority avoiding contention or working to stop
    the financial hemorrhaging?
  • And the second issue involves the difference in
    risk tolerances of husbands' and wives, i.e., the
    husband has a particular talent and has started
    his own business, the wife wants a steady
    paycheck. If the pros and cons are of equal
    weight in both scenarios, doesnt the husbands
    idea win by default if he is the wage earner?

Case Study 2 (continued)
  • Another point is that the presentation seemed to
    assume that the viewers came from LDS families
    I for one am a convert, and did not grow up with
    parents who saved for a mission or paid tithing.
    In fact, I have to be extremely careful about my
    tithe paying as it is an extremely sore subject
    for my non-member family who disapproves of the
  • Again yet another scenario in which it is the
    very act of trying to obey correct principles
    leads to contention and opposition within the
    family. You have my permission to use my
    questions and concerns.
  • Signed

Case Study 2 Answers
  • A. Following are a few problems
  • The underline portion are the principles while
    the statements are the facts from the email
  • Marriage partners are equal. It doesnt seem so
    from this email. It appears that the writer is
    appealing to an outside authority to support what
    they think is correct. It appears communication
    may have broken down between spouses
  • Control of money as power. It appears there is a
    type of money control question heremoney is
    power. This money as power is inappropriate
    for equal partners

Case Study 2 Answers (continued)
  • Best interests. It appears that both may not be
    seeking the best interests of the family but
    may be trying to further their own best
    interests. Family interests must be put first
  • Behavioral problems. This appears to me to be,
    at least in part, a behavioral issue and not a
    finance issue. It seems communication is a major
    concern here, and finances are the representation
    of that concern
  • Change. It seems from the reading that both
    assume an unwillingness or an unlikely ability to
    change, both individually and as a couple. We
    can change ourselves, but not our spouses. They
    must change themselves

Case Study 2 Answers (continued)
  • Respect. From the choice of adjectives I sense a
    loss of respect sophisticated versus primitive,
    saving versus spending, etc. Perhaps this is to
    make a point but it causes concerns
  • Leave parents. It seems like one spouse has not
    left their parents. Financial decisions are
    between husband and wife, not between spouses and
    parents. Therefore shall a man (and woman)
    leave his father and his mother, and shall cleave
    unto his wife (Genesis 224)

Case Study 2 Answers (continued)
  • B. Following are a few recommendations that may
    be helpful for this couple
  • Build the relationship. Assume both spouses are
    trying to do what is best, and that both are
    trying. Realize that there may be differences of
    opinion, and that is OK. They should first work
    to understand, and then seek to be understood
  • Develop individual and family goals. There
    appears to be a difference as to the goals of the
    couple. They should work together to come up
    with shared individual and family goals, and then
    work toward these goals

Case Study 2 Answers (continued)
  • Build the financial knowledge of the couple and
    family. One spouse knows more. That is
    expected. Perhaps that spouse could recommend
    some reading on the importance of becoming
    financially self-reliant. There are a number of
    good articles by the leaders which can help.
    They could also do some Family Home Evening
    lessons on personal finance
  • Resolve family differences. There appears to be
    a difference in how each was brought up and how
    they relate to their families. While they cannot
    control how they were brought up, they can decide
    how they will do things in their family. And
    they should do it in the best interests of
    their family

Case Study 2 Answers (continued)
  • Improve communication and problem-solving skills.
    There seems to be concerns in this area. They
    need to make finances a part of their weekly
    companionship interview where they discuss
    finances, children, scheduling, goals, etc.
  • Strengthen testimonies. Finally, they should
    work to strengthen their testimonies and live
    according to the gospel of Jesus Christ. They
    need to work to bring Heavenly Father into the
    relationship through prayer, scripture study,
    church attendance, etc. When they are doing what
    God would have them do, they can have His help.
    Since families are ordained of God, God will help
    them resolve their differences and become more
    like Him

Case Study 3
  • Data
  • Bill, your best friend and BYU graduate, just got
    engaged to Emily. He knows you have taken this
    class on personal finance as you have shared many
    things with him in the past. He is concerned as
    in his parents marriage, money was a major and
    divisive issue. He would like to try and
    minimize these issues in his upcoming marriage.
    He asks if he and Emily can meet with you to
    discuss what you consider the most pressing
    issues about money in marriage.
  • Application
  • What would tell Bill and Emily are the most
    pressing issues in money and marriage? What
    other advice would you give them?

Case 3 Answers
  • Following are a few thoughts that might be
    helpful. Five common problems discussed
    regarding money and marriage are
  • 1. Lack of financial knowledge
  • Financial knowledge is important to make good
    decisions. Both Bill and Emily should realize
    that financial knowledge can be acquired
  • They must be willing to spend the time learning
    about key financial topics
  • In addition, they must realize that financial
    knowledge by itself is insufficient
  • Both Bill and Emily must be willing to act on
    that knowledge to be wiser financial stewards

Case 3 Answers (continued)
  • 2. Lack of communication
  • Relationships require communication to stay
  • Communication on financial matters is one part of
    that healthy communication
  • Bill and Emily need to develop processes to
    ensure time to communicate effectively in all
    areas of their lives, including financial areas
  • They should set aside time each week to discuss
    financial matters in an atmosphere of love and
  • In order for this marriage to succeed
    financially, both must be party to and feel they
    contribute to family financial decisions

Case 3 Answers (continued)
  • 3. Differences in financial personality types
    and family baggage
  • Bill and Emily were both brought up differently
    in their families, and this includes how they
    learned to handle financial matters
  • While they cannot change how they were brought
    up, they can decide how they want to handle
    financial matters in their marriage
  • They set the framework for their marriage
  • They can change how they work together
  • They can have a goal to be equal financial
    partners and better stewards over the blessings
    they have and will receive

Case 3 Answers (continued)
  • 4. Lack of shared financial goals
  • It is critical that both Bill and Emily be
    working toward the same general family and family
    financial goals
  • They should set those goals together as spouses
    and then work on them together
  • They should write them down
  • They should set a time each year that they will
    review their family goals and set new goals
  • This should be an on-going processthey will
    achieve what they set their goals to achieve

Case 3 Answers (continued)
  • 5. Lack of gospel maturity
  • Gospel maturity is not just knowing what you
    should do, but doing it as well.
  • Both Bill and Emily need to be committed to the
  • They need to put each other, and the Lord first
    in their lives
  • Help them realize that the more willing they are
    to do what needs to be done in their
    relationships and family, the better the marriage
    will be and the more likely they will be able to
    achieve their family goals
  • Remember their most important being to return
    with their family to Heavenly Fathers presence
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