{"id":301865,"date":"2009-07-23T11:00:00","date_gmt":"2009-07-23T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/how-gender-differences-affect-our-finances\/"},"modified":"2009-07-23T11:00:00","modified_gmt":"2009-07-23T15:00:00","slug":"how-gender-differences-affect-our-finances","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/how-gender-differences-affect-our-finances\/","title":{"rendered":"How Gender Differences Affect Our Finances"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Just how opposite is the opposite sex when it comes to money matters?<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2009-07-23.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"11.33M","filesize_raw":"11883757","date_recorded":"","explicit":"","block":""},"categories":[2851],"tags":[4925,4525,4853],"podcast_series":[7404],"cwp_profile":[3151],"series":[2101],"class_list":["post-301865","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-finances","tag-budgets","tag-finances","tag-money","podcast_series-you-paid-how-much-for-that","cwp_profile-scott-stanley","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/301865\/how-gender-differences-affect-our-finances","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/301865\/how-gender-differences-affect-our-finances","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"n0N5kzYHtg\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/how-gender-differences-affect-our-finances\/\">How Gender Differences Affect Our Finances<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/how-gender-differences-affect-our-finances\/embed\/#?secret=n0N5kzYHtg\" width=\"500\" height=\"350\" title=\"&#8220;How Gender Differences Affect Our Finances&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"n0N5kzYHtg\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"uagb_featured_image_src":{"full":["https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg",508,508,false]},"uagb_author_info":{"display_name":"kfairris@familylife.com","author_link":"https:\/\/wp-stage.familylife.com\/www\/author\/kfairrisfamilylife-com\/"},"uagb_comment_info":0,"uagb_excerpt":"Just how opposite is the opposite sex when it comes to money matters?","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2009-07-23.pdf","transcript_content":"<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 This is FamilyLife Today for Thursday, July 23rd.\u00a0 I\u2019m Bob Lepine along with the president of FamilyLife, Dennis Rainey, and as we start today we want to know \u2013 do you ever use shopping for therapy?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason:<\/strong>\u00a0 Hi, Hon, how's your day?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Barbara:<\/strong>\u00a0 Oh, it's pretty lousy, but I stopped off at Foley's to cheer myself up.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason:<\/strong>\u00a0 Somehow I don't think I'm going to be too cheered up by that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Barbara:<\/strong>\u00a0 Now, don't start.\u00a0 Foley's has a great sale.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason: <\/strong>\u00a0 Oh, no, the \"S\" word.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Barbara:<\/strong>\u00a0 Oh, come on, Jason, I got some stuff for you, too.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason:<\/strong>\u00a0 What difference does that make?\u00a0 Barbara, we don't have the money to blow on either one of us right now, okay?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Barbara:<\/strong>\u00a0 Oh, yeah, right.\u00a0 You just treated yourself to a new, super-deluxe Orvis Odyssey 400 fishing rod.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason:<\/strong>\u00a0That's different.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Barbara:<\/strong>\u00a0 Oh, the way you fish, a Minnie Mouse pole would have done just fine.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Jason:<\/strong>\u00a0 It wasn't an Orvis.\u00a0 I just looked at the Orvis.\u00a0 I needed the pole I got.\u00a0 What are you talking about, a Minnie Mouse pole?\u00a0 What kind of stupid remark is that?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yeah, no Minnie Mouse pole.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I've been fishing with you.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I don't have an Orvis rod, but I've got a nice fly rod.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 It's better than a Minnie Mouse pole, huh?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes, I mean, she's cutting to the core of who that man is.\u00a0 We are talking this week about the subject of marriage and money.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And men and women and how it all \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 \u2026 their differences \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 \u2026 they are different and, in fact, Scott Stanley is with us this week.\u00a0 Scott, welcome back to <em>FamilyLife Today<\/em>.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Thank you, it's nice to be here.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Scott is the co-director of the Center for Marital and Family Studies at the University of Denver.\u00a0 In other words, he is one of the educational elite.\u00a0 He is in the thick of the university studies, but he is a light for Jesus Christ there.\u00a0 He's a great friend.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHe's been on <em>FamilyLife Today<\/em> before, and we're thrilled to have you back.\u00a0 Scott has written a book called <em>You Paid How Much For That?<\/em>\u00a0\u00a0 And the book is convicting.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 It is convicting.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 It is convicting, because it exposes some of the real issues around money \u2013 our values, our expectations, hidden issues.\u00a0 And, Scott, you talk about \u2013 well, you talk about in your book what we just heard about in the little vignette about the differences between men and women.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Men and women can have different priorities, and I was wondering \u2013 these are kind of stereotypical with her going to Foley's and him wanting the fly rod \u2013 are there legitimate gender differences in how we pursue money or is that just a stereotype?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 I think there are some very significant differences about money.\u00a0 For example, we all know one of the great changes in the last couple of decades is you have more and more couples where both might have income, both work outside the home to some degree, and, you know, historically, men and women, in some ways, in terms of their actual earning behavior were much more different than they are now.\u00a0\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhere the guy was the breadwinner, and that's the thing that he did, and she tended to stay home and take care of the house and raise the kids, and increasingly you have a lot of couples where it doesn't work that way.\u00a0 So in terms of the earning behavior, men and women have become somewhat more similar in many homes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOn the other hand, there are some differences between men and women that just seem to be enduring, and \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 \u2026 biological differences.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Well, I suspect they are biological \u2013 that there are some things that are really wired in.\u00a0 So, for example \u2013 and this isn't money-specific except that money is related to so many conflicts it comes into play.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tMen will avoid conflict more than women in marriage.\u00a0 Women will pursue an issue being raised and dealt with more often than men.\u00a0 Now, there's lots of marriages where that's reversed, just to be clear to the listening audience, where the female is more the one that withdraws, and the male tends to pursue, or they vary back and forth but, on average, if you just had to bet who is the one that pulls away more in a conflict it's more likely to be the male.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 You actually have in your book a group of myths about men and women, and I want Bob \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 \u2026 well, let's see if they're myths or not, because \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 \u2026 give these to the researcher who knows the truth \u2013 whether these are true or false.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Number one \u2013 women like to shop more than men do.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 True.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That's statistically verifiable?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Now, I want our listeners to \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 I verified every answer here with my wife.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Scott is not a sexist.\u00a0 This is the result of his \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 \u2026 this is research \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 \u2026 unbiased research and \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott: <\/strong>\u00a0Now, many of these are studies other people have done, but, yes, women do tend to shop more than men.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 And while that's statistically verifiable, at our home Mary Ann hates to shop, and I'm the one that's having to drag her to say, \"Let's go look at some new clothes for you.\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Absolutely, and, by the way \u2013 because you have some women out there thinking this, and I know there's three guys around this table right now \u2013 there are some women out there saying, \"Okay, well, yes, I go shopping more but who spends more money?\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Well, the big-ticket items for the guys \u2013 I mean \u2013 we shop once every three years, and we buy a bass boat that costs 20 \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 I was thinking about \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 $20,000.\u00a0 Barbara's bought \u2013 she's bought 12 dozen pair of shoes during that same period of time.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 If you're going to get \u2013 you know \u2013 for number of purchases, you might win that argument, but for amount of money, you're \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 \u2026 the guy may be the big-ticket guy.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 That's right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 In fact, I was reading somewhere the other day, someday said a man will spend $2 for a $1 item that he really wants.\u00a0 A woman will spend $1 for any $2 item whether she needs it or not.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes, there's some \u2013 my wife will \u2013 absolutely, she will wait more than I will wait.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That bargain thing \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 We're going to give our listeners Scott's home address, because we can send all the mail that thinks that we're against females \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Let's keep on with the list here \u2013 do boys get a larger allowance than girls do?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong><strong>\u00a0 <\/strong>Really?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Did you give your boys more money when they were growing up?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 No.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You were completely egalitarian on that?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I think \u2013 well, I wouldn't say the word \"egalitarian,\" but we were equal.\u00a0 We were equal on that.\u00a0 Our girls, I don't think would say that they were discriminated against in any way, whatsoever.\u00a0 In fact, truth be known, I think we were a little softer on the ladies.\u00a0 Tell the boys they've got to get a job, go to work.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Well, and see this is an important point, because this gets to what things mean and the value of things, because I think if, for example, you, as parents, had the system where the kids get an allowance, but they're supposed to buy their clothes out of their allowance \u2013 some parents do it that way \u2013 most don't \u2013 but \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 That's the way we did it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 We do, too.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 There, I think some teenage girls would make a plausible argument that their clothes cost more than boy clothes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 They made that argument frequently.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Apparently unsuccessfully, but \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 \u2026 no, they won some.\u00a0 That's why I would say they probably wore me down more than the guys.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 But, in general, moms and dads are giving their sons more allowance than they're giving their daughters.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\u00a0 Now, that could be \u2013 by the way, anytime you talk about research findings, you're talking about broad averages, so there's always going to be lots of exceptions, and some of these things are probably changing, even as we sit here, you know, with how rapidly these things have been changing in the culture.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 How about the idea that sons are taught more about how to handle money than daughters?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 True.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 So we have this \u2013 our own perception that we need to teach our boys financial matters, and it's less important for our daughters?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 And not only that, but what the research even shows is that mothers teach their sons more about how to manage money than they teach their daughters.\u00a0 So this isn't just a guy thing, it's a societal bias thing that, you know, this background sense, \"Well, you're the man.\u00a0 You're going to be the one that has to handle the money, and so we'll give you more practice, we'll give you more coaching.\"\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I was thinking about this one the other day because our son Jimmy who is the oldest boy in the family he got a checking account earlier than his sisters got checking accounts.\u00a0 Part of that is because he was making money earlier than his sisters were making money but the other part was because I wanted him to start early learning how to reconcile a checking account and keep things in order.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI knew it would be a skill that he\u2019d have to have some involvement in all the way through his life.\u00a0 I guess I should have thought our daughters probably will too but in the back of my mind a man seems to be the one ultimately responsible for the financial well being of the home. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes.\u00a0 I look back on it and I would say this would be one of my regrets as we raised our six kids that I didn\u2019t do more for my daughters in terms of training them.\u00a0 I think in my mind I thought they are going to get married and that\u2019s going to be the husband\u2019s responsibility ultimately.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIt\u2019s not that we just threw money at our daughters and let them do what they wanted to do.\u00a0 It was a point of discussion and training but I could have done a better job.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 It's also possible that, in part, parents are recognizing that boys, at a given age, seem to be less mature than girls at a given age.\u00a0 So it could be a lot of it's this cultural bias about men versus women and money, but there's probably a little bit in there, too, of the sense that the guys need a little more guidance.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 In general, who is a saver \u2013 a woman or a man?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Men tend to save a little more than women, and there's an association that does retirement research that found that women normally save 1.5 percent of their pay versus 3 percent typical of men.\u00a0 Now, the trick of that is there could be all kinds of factors in that in terms of who makes more and who makes how much more than what they need for the basic expenses, and maybe that explains a lot of that, and professionals are quick to point out that nobody saves enough in America, for the most part.\u00a0 So men or women \u2013 none of us tend to do as much as we should.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 This doesn't have anything to do with money, but are women more willing to stop and ask for directions \u2013 or men?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott: <\/strong>\u00a0Women are more willing.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I just wanted to make sure on that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Now, wait, Scott, in your book you give the two reasons why women are more apt to ask for directions when it involves \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 \u2026 shopping and finances.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 How do I get to the mall and how much does that cost \u2013 those are two things they'll ask for directions on.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 That's the funny aspect of that, but there's a real serious point about the financing one \u2013 there is some research that shows that you could be presenting in front of the male, the hottest investment, you know, here is the latest thing, you know, \"This is going to be so good, you're going to make 10 times what you put in,\" and men are less likely to ask questions about that.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo this is an extension of that less-likely-to-ask directions \u2013 they're less likely to ask really hard questions \u2013 \"Well, then tell me again, how could I make 10 times as much of that and why should I write that check to you now?\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWomen are actually not only more likely to ask for directions in some sense, they are more likely to question some of those things \u2013 \"Well, why is that?\u00a0 Tell me.\"\u00a0 And that's a good thing, because men can be a little too gullible at times on some big decisions about money.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I'll give you a great example of that \u2013 sitting with a life insurance salesperson, right, and he's going through \u2013 he's talking about the cash value, and he's talking about \u2013 you know, all of these terms that come up in your life insurance.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd, as a guy, you sit there, and you nod, and you're thinking, \"He lost me about 30 seconds ago.\u00a0 I'm not sure how that works,\" but am I going to step up and say, \"I don't understand what you're saying.\"\u00a0 That's kind of like saying, \"I'm not really a man.\"\u00a0 You know, that's how it feels, doesn't it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 You're playing it through, \"Oh, I understand, Honey, I'll explain that.\u00a0 I'll tell you that one later.\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 But if you bought a pick up.\u00a0 You\u2019d be a man and you would be able to understand what cash value is.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t(laughter)\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 What about \u2013 who is running the household finances?\u00a0 Is it the men or the women?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 It's very mixed now, and it's very hard to say as a blanket statement.\u00a0\u00a0 People tend to really separate out the decisions now in different ways based on different tendencies.\u00a0 So in many households you'll find one tends to handle more of the big picture thinking about retirement or where things would be saved, and the other may do the budgeting \u2013 balancing the checkbook, et cetera, and a lot of these things. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhat I think happens to a lot of couples is they just sort of gravitate and if they're smart or reasonably wise as a couple, they gravitate into who does it better \u2013 some people do this better, and some people do that better.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 That's what we did, and at our house Mary Ann is running the checkbook and paying the bills because she's more organized and disciplined than I am but \u2013 big picture, global thinking, where are we headed, what's going on financially \u2013 that's my purview.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI tell guys all the time, and I believe this \u2013 even if your wife is the one balancing the checkbook and taking care of paying the bills, you're responsible for the overall financial health of your household, and you need some ownership.\u00a0 If you've delegated the responsibility of the checkbook to her, it's still ultimately your responsibility, as a guy.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I think that's just stepping up, as a man, to take the leadership role.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 I think he needs to carry that weight emotionally so that his wife doesn't.\u00a0 One thing I want you to comment on, Scott, because I'm hearing as you're going through these myths and answering them, that a husband and a wife together, when they are healthy in their marriage, there really is a greater opportunity for financial success than an individual person would have.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Absolutely.\u00a0 The research is so clear on this that any other path in life doesn't do as well financially as a married couple that really stays together and is committed and, among married couples, of course, the ones that are going to really excel in every way in life are the ones that have a vision together for life, a worldview, and have a oneness, a sense of being a team together and a partnership about money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThey may decide you do more of this or I do more of this, but the strongest thing you see with the couples that are doing well is that we're a team.\u00a0 And we talk, and this is a mutual thing, and neither is being coerced or controlled.\u00a0 But we work together at these goals.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 What you hear in Bob's illustration is Bob and Mary Ann working together for the common good, and that illustration, I think, in and of itself, is a great example of how a husband and a wife do need to take one another's strengths and leverage them against the objective.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Does that oneness and teamwork approach to marriage mean that you're going to be in trouble if you have separate checkbooks?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 That's a tricky question, and there are a lot of elements to that.\u00a0 Generally speaking, couples do better who pool their finances, and increasingly today, of course, it's more and more common for people to keep it separate \u2013 especially common, though, in second marriages.\u00a0 So first marriages, people are still much more likely to pool their resources, and that's an \u2013 I mean \u2013 it does mean something.\u00a0 You know, it's an extension of the sense that this is us in life together, and we're a team.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Is it a warning for you, at least as a researcher, when you hear of a couple in their second marriage who are segregating their finances into two different checking accounts?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 It depends on what it means for those two people.\u00a0 If they are really a strong team, and they've decided, for other reasons, to keep it separate \u2013 and here is a great example \u2013 a lot of older couples who are married keep it separate somewhat because of estates, you know, inheritance for their children and all.\u00a0 There it doesn't have any meaning that's negative about the relationship.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tBut let me give you a story about a couple where I think it has a more ominous meaning, where \u2013 second marriage for both, and they had lots of conflicts about money and, in particular, one of the conflicts was coming into this second marriage, he wanted to pool it.\u00a0 He wanted to put it all together, and she really wanted to keep it separate.\u00a0 And they had conflict \u2013 this is the epitome of this spinning your wheels \u2013 they were just never getting anywhere about this conflict until we really got down to, \"Well, what does this mean to each of you?\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes, that would be my questions \u2013 why?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Why?\u00a0 Why?\u00a0 And again you don\u2019t get the right answer on the \u201cwhat does it mean?\u201d if you are not talking in a safe environment.\u00a0 There has to be a level of trust.\u00a0 So when we got the trust established this was a couple I saw in counseling.\u00a0 He said \u2013 and this made a lot of sense as soon as he said it \u2013 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHe said, \"Well, now that I think about it, my first wife, before she left me, opened up her own accounts and was starting to move her money and her paycheck and things into her own account, and then one day she was gone.\"\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo, for him, her wanting \u2013 his new wife \u2013 her wanting to keep it separate really symbolized \"maybe you're not committed to me.\u00a0 Maybe you're really not going to stick with me.\"\u00a0 Now, I don't think it meant that for her, but it had that meaning.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd for her, what she said when we got down to the meaning level is \"My first husband was so controlling.\u00a0 In fact, he was abusive and controlling and everything all wrapped into that, and I don't want to feel controlled like that again.\u00a0 It's very important to me to keep it separate.\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, I don't know what they've done to actually handle the physical \"How are we going to budget and whether it's separate or apart,\" but I do know they weren't going to get anywhere on that until they got to those deeper levels of \"What does this mean to you and what does this mean to me.\"\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 All right, let me ask you about a few other stereotypes here.\u00a0 Are women less risk tolerant then men?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\u00a0 Women are more conservative about wanting to make sure that we are not losing anything.\u00a0 So men are a little more likely to take risks.\u00a0 For example if you just think about all the people you\u2019ve ever known who were entrpenerial at the high end of risk where some of these guys\u2026I gave away my answer.\u00a0 I\u2019ve always seen guys make a fortune.\u00a0 Lose a fortune.\u00a0 Make a fortune.\u00a0 You\u2019re just less likely to see that in women.\u00a0 It probably has something to do with women having such a great sense of responsibility in the family for security.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 That they are going to be less willing to take the risk to lose some of what we already have.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Alright.\u00a0 Last question \u2013 in a two-paycheck marriage, are women doing more housework than men?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Yes.\u00a0 Women are almost always doing more housework than men in any marriage on the planet.\u00a0 However, the more women make, the less housework the woman does but still, even in marriages where the woman makes more than the man, the woman does more housework.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 Yes, and if she's making a lot more, she's just hiring another woman to come do it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 Now, that tends to be a lot of the ways that it gets played out.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 You know, it's interesting, as you go down that list, and you hear how different we are, we marry one another because we're different.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 That's right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 We fall in love because we're different.\u00a0 Barbara completed me, and I've said it so many times on <em>FamilyLife Today<\/em> \u2013 before we get married, those differences are like a magnet that attracts, and they just pull together.\u00a0 After you get married, you turn the magnet a certain way, and you feel an invisible repulsion.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Scott:<\/strong>\u00a0 I was wondering if you were going to use that word.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 You don't see all the reasons, but you feel it, and that's why I think Christian marriage makes so much sense.\u00a0 I mean, how else can two people respect one another, understand one another, love one another, and then, most importantly, make a commitment to create the security.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo you can be different in the marriage, you can approach money from your different perspectives, and both of you can be right; neither has to be wrong.\u00a0 But you can love one another for a lifetime and maintain that oneness.\u00a0 Now, it won't be easy, but when you said, \"I do,\" you didn't \u2013 there wasn't a promise that \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 You could just coast \u2026\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 Building a marriage would be easy.\u00a0 It's a challenge, regardless, because it involves two very selfish, very individualistic human beings who need the Scriptures, I think, to bring them back into line.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 But that's the healthy thing that comes in as we realize not only are there differences, we also realize that some of those differences expose fundamental selfishness.\u00a0 So the differences are actually tools of sanctification in our marriage relationship. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tRather than seeing them as the polar ends of magnets that are pushing us apart we need to flip the magnet around and come together and value the differences we see in one another.\u00a0 When we do that we see what that exposes about ourselves that maybe is not as flattering.\u00a0 It's really looking at the log that's in our eye when we can see, too clearly, the different speck that's in our mate's eye.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong>\u00a0 When you feel those opposite ends of the magnets repelling each other, I think that points out our need, as people, as a husband and a wife, to be equipped with tools to know how to deal with those invisible points of repulsion.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd one of the things we've \u2013 it's probably the most frequently mentioned thing about the Weekend to Remember, our weekend marriage conference held all over the United States, is when couples come to these events, they get practical, biblical tools from authentic married people who share their wins and their losses; their victories and their humiliating defeats; and in the process equip them to better handle their differences in marriage.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong>\u00a0 I think it was about six months ago we had a little more than a thousand families who contacted us and said we want to help support the ministry of <em>FamilyLife Today<\/em> as legacy partners\u2014monthly contributors to your ministry.\u00a0 For those folks who agreed to have their donation done via credit card we sent them a certificate to attend a Weekend to Remember marriage conference.\u00a0 We\u2019ve heard back from folks who attended and they said it was a great weekend getaway for them as a couple.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI mention that because right now we\u2019re encouraging <em>FamilyLife Today<\/em> listeners to consider becoming legacy partners and once again if you will sign up to make a monthly donation of any amount to help support <em>FamilyLife Today<\/em> and if you agree to have that donation via credit card we are going to send you a gift certificate to attend a Weekend to Remember marriage conference.\u00a0 You and your spouse can get away together as a couple and enjoy a fun, relaxing, romantic getaway and get on the same page of some of the issues we\u2019ve been talking about here today.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tYou can find out more about becoming a legacy partner and attending a Weekend to Remember marriage conference by going to our web site FamilyLife Today.com.\u00a0 All the information you need is available there.\u00a0 You can click on the link and sign up and become a legacy partner.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAgain if you make your monthly donation via credit card we\u2019ll send you a certificate to a Weekend to Remember marriage conference when it comes to a city near where you live.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAll the information can be found at FamilyLife Today.com.\u00a0 Or you can call to sign up at 1-800-FL-TODAY.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you are on our web site let me also encourage you to look for information about a very helpful book by our friend, Howard Dayton.\u00a0 He\u2019s finished a book called <em>Money and Marriage God\u2019s Way<\/em>.\u00a0 This is a book that will help husbands and wives think carefully together about financial priorities and financial issues.\u00a0 It\u2019ll help them resolve financial conflict in marriage.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAgain it\u2019s called <em>Money and Marriage God\u2019s Way<\/em> and the details about Howard\u2019s book are on our web site FamilyLife Today.com along with other resources we have.\u00a0 Again that\u2019s FamilyLife Today.com or you can call 1-800-358-6329.\u00a0 That\u2019s 1-800 \u201cF\u201d as in family \u201cL\u201d as in Life and then the word TODAY.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWell, tomorrow we\u2019re going to continue to unpack some of the challenges couples face around money and marriage.\u00a0 Scott Stanley will be back with us again.\u00a0 I hope you can be back as well.\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team.\u00a0 On behalf of our host, Dennis Rainey, I'm Bob Lepine.\u00a0 We'll see you back tomorrow for another edition of FamilyLife Today. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tFamilyLife Today is a production of FamilyLife of Little Rock, Arkansas.\u00a0 Help for Today.\u00a0 Hope for Tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts for you. However, there is a cost to transcribe, create, and produce them for our website. If you've benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright \u00a9 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>www.FamilyLife.com<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>","theme_header_position":"","post_header_is_sticky":"","is_header_overlay":""},"_links":{"self":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast\/301865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/types\/podcast"}],"author":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/comments?post=301865"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media\/294104"}],"wp:attachment":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media?parent=301865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/categories?post=301865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/tags?post=301865"},{"taxonomy":"podcast_series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast_series?post=301865"},{"taxonomy":"cwp_profile","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/cwp_profile?post=301865"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/series?post=301865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}