{"id":304508,"date":"2017-05-17T11:00:00","date_gmt":"2017-05-17T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/planning-a-budget\/"},"modified":"2017-05-17T11:00:00","modified_gmt":"2017-05-17T15:00:00","slug":"planning-a-budget","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/planning-a-budget\/","title":{"rendered":"Planning a Budget"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Russ Crosson and his wife, Julie, talk about the wisdom of planning a family budget. The Crossons recall the tensions they experienced early in their marriage.<\/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\/fl2017-05-17.mp3","cover_image":"","cover_image_id":"","duration":"00:29:25","filesize":"26.93M","filesize_raw":"28239500","date_recorded":"","explicit":"","block":""},"categories":[2807,2851,2808],"tags":[5342,4525],"podcast_series":[8012],"cwp_profile":[9337,9336],"series":[2101],"class_list":["post-304508","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-engagements-and-weddings","category-finances","category-newlyweds","tag-budget","tag-finances","podcast_series-eight-important-money-decisions","cwp_profile-julie-crosson","cwp_profile-russ-crosson","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\/304508\/planning-a-budget","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/304508\/planning-a-budget","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=\"guKS4fMpKt\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/planning-a-budget\/\">Planning a Budget<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/planning-a-budget\/embed\/#?secret=guKS4fMpKt\" width=\"500\" height=\"350\" title=\"&#8220;Planning a Budget&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"guKS4fMpKt\" 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?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"spectra_custom_meta":{"_wp_page_template":["default"],"transcript_url":["https:\/\/transcript.familylifetoday.com\/fl2017-05-17.pdf"],"audio_file":["https:\/\/web.familylifetoday.com\/fl2017-05-17.mp3"],"transcript_content":["<strong>Bob: <\/strong>Do you have a budget for your marriage \/ for your family?\u00a0 That\u2019s a good idea; but Russ Crosson says, \u201cEven if you have a budget, it may not be realistic.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>We first got married. I said, \u201cOkay, I think like [$]80 a week ought to be enough for groceries or something.\u201d\u00a0 Well, I had no idea\u2014I\u2019m not buying groceries. I just set some arbitrary budget amount. I think a young couple needs to give themselves some time to figure out what are realistic amounts. You don\u2019t want to be so much over that you never have any stress but not so much under that it\u2019s not working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>This is <em>FamilyLife Today<\/em> for Wednesday, May 17<sup>th<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. We have some very practical advice for you today on your money. Russ and Julie Crosson are here. We\u2019ll learn from some of the mistakes they made early in their marriage. Stay with us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You know what? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>1:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tMary Ann and I will celebrate\u2014this week\u201438 years of marriage.\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>Congratulations. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>I do not think we\u2019ve had a fight about money in any of those 38 years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Uh-oh!\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>We have not always seen, eye to eye on, every money decision that was made\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>That\u2019s because you are always right?\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Part of the reason\u2014here\u2019s what I was thinking, \u201cWhy have we not\u2014why has this not been an area of conflict for us?\u201d\u00a0 Part of it is because I married a very <em>frugal <\/em>woman, and that\u2019s helped. She has not been somebody who has <em>wanted<\/em> more than we could afford. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>In fact, she\u2019s always been on the frugal side. So, some of the disagreements have been about: \u201cHow much stuff do we need?\u201d because I was the guy\u2014as we\u2019ve talked on <em>FamilyLife Today<\/em>\u2014I was the guy who bought the thousand straws when she said we should just buy a box of a hundred [Laughter]\u2014but it was so much cheaper if you bought them in the bulk like that. So, we\u2019ve had areas where we didn\u2019t necessarily see eye to eye; but in general, we\u2019ve just not had a whole lot of marital conflict around money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>2:00<\/strong>\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>And we\u2019re really setting you up for some healthy, financial counseling, Bob; because at the table is the President and CEO\u2014[Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>You and Barbara\u2014do you and Barbara fight\u2014introduce them\u2014and then, I want to know if you guys have ever had big money fights. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Oh, that\u2019s real simple\u2014[Laughter]\u2014President and CEO of Ron Blue &amp; Company join us on <em>FamilyLife Today<\/em>. Russ Crosson joins us on the broadcast, along with his wife Julie. Welcome to the broadcast. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Dennis, it\u2019s great to be here. Thanks for having us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Thank you. Good to be here. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>You\u2019ve written a book here called <em>8 Important Money Decisions for Every Couple<\/em>. Is it possible to go through a lifetime and not have fights about money?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>I think it\u2019s possible, but you have to start off right. So, Bob may be the exception. [Laughter]\u00a0 Most people have struggles with money; but if you start off on the right path, you have a chance to have some great harmony and not have so much friction. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Russ, I wrote the foreword to your book, <em>8 Important Money Decisions for Every Couple<\/em>, because you really come at this from a thorough biblical worldview. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>3:00<\/strong>\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\tThat really solves a lot of issues when it comes to a married couple handling money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, it really does, Dennis. I mean, you go to Philippians 2, where it talks about being of one mind, united in spirit, and intent on one purpose. God wants us to have harmonious marriages\u2014money is temporal \/ our marriages have eternal impact. So, it seems silly to let something temporal undermine something that is eternal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Let\u2019s just cut to the chase. How about you [Julie] and your husband, Russ?\u00a0 [Laughter] Have you ever had a defining argument about money?\u00a0 I mean, Barbara and I give leadership to a marriage and family ministry\u2014have we had defining moments in our marriage?\u2014you better believe it!\u00a0 I can\u2019t imagine you guys giving leadership in this area without having some of your own illustrations. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, we do. In fact, when we had only been married probably a year-and-a-half\u2014moved down to Atlanta. Russ took a pay cut, and I quit working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>4:00<\/strong>\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\tHe is very controlling. He wanted to know where everything was\u2014where every penny was. I always felt like I was a good money manager; but he would come home and say, \u201cWhat did you spend?\u201d\u00a0 Well, I hadn\u2019t even been out!\u00a0 [Laughter]\u00a0 So, that was\u2014then, it was not just <em>one<\/em> time\u2014it was three or four times: \u201cDid you spend anything today?\u00a0 What did you spend?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tFinally, it hurt my feelings; because I felt like I was very careful and that I wasn\u2019t doing anything that I shouldn\u2019t have. Finally, we realized: \u201cThis is not working. We need a system where he can relax\u2014I can work within the boundaries, but he\u2019s not worried all the time.\u201d\u00a0 That\u2019s where our budgeting came from. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And so, let\u2019s hear the other half of this story. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>This issue with the budget was really a catalyst for us to say, \u201cYou know, we\u2019ve got to deal with this.\u201d\u00a0 That\u2019s when we developed the system we talk about in the book, which just basically\u2014you know, we agree together on the amounts; then, who is going to do what. Yes; I had forgotten she was a little ticked at me for always asking what she was spending and all that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>5:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>She used the word, \u201ccontrolling.\u201d\u00a0 Were you controlling back then?\u00a0 [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>He asked her four times a day. [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>I don\u2019t think it was that much; but you\u2019ve got to remember\u2014I took a pay cut. It was tight, and we just wanted to make sure we made it. Plus, I\u2019m more the numbers guy. Now, let\u2019s take it back a little bit further. When I first started dating Julie, I looked at her checkbook\u2014there were no balances. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Okay; let me defend myself here. [Laughter] I grew up in a home where we did not use debt\u2014everything was cash. So, when I started working, I kept all the numbers; but I didn\u2019t subtract. I knew I was saving a thousand a month: \u201cWhy should I budget?\u201d\u00a0 [Laughter]\u00a0 So, I think he was <em>worried<\/em> from the beginning. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>So, Bob, you wonder why I was controlling. I mean, you know, she never wrote anything in her checkbook. I\u2019m like, \u201cAre we going under water, or are we not?\u201d\u00a0 So, that was part of the reason for me to figure out: \u201cWe better\u2026\u201d\u2014I was controlling and wanting to know what was going on \/ she never subtracted\u2014she knew there was enough in there. And that\u2019s part of it\u2014when you get married, you go from playing singles\u2014you start playing doubles\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>6:00<\/strong>\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\u2014to use a tennis illustration. We both had to get on the same page. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI\u2014as we\u2019ve counseled couples, we\u2019ve realized, \u201cYou bring these two different, selfish people together; and money is one of those things you have to deal with.\u201d\u00a0 You\u2019ve got to buy kids\u2019 braces, and put food on the table, and put gas in the car\u2014or whatever. So, you have to deal with it every day. That\u2019s why I think, Dennis, they can become such a lightning rod. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>And one of the things\u2014I hate the word, \u201cbudget,\u201d because, to me, that sounds <em>terrible<\/em>. So, once we realized we had to get a control system\u2014we call it \u201cplanned spending.\u201d\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Having planned spending\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014that\u2019s a good thought. Oh, yes\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Don\u2019t you say, \u201cBudget,\u201d to me. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014no one wants a budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>That\u2019s exactly where I was going with this conversation, because it was the budget that really got Barbara and I\u2014to use your illustration, Russ\u2014off the same song sheet. By establishing how we were going to spend, save, give, that really settled a lot of issues in advance. Now, at that point, you have to live with it; but the budget or\u2014what did you call it?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Planned spending. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>7:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Controlled\u2014[Laughter]\u2014that sounds, to me, like it is <em>controlled<\/em> spending. [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Well, in order to have planned spending, you have to have some conversation about values \/ about what\u2019s important. That\u2019s <em>really<\/em>\u2014money is just a symptom; isn\u2019t it?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>It really is, because one of you may use it on vacation. The other one may want to have different furniture in the house or whatever. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tDennis, I want to come back to what you said. Let\u2019s remember a budget is simply telling your money where you want it to go, rather than wondering where it went. That\u2019s the real difference. People think it\u2019s restrictive; but in reality, it\u2019s freeing. It\u2019s just like with children. You know, discipline and giving them boundaries really frees them up. It\u2019s the same way with money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>The problem is\u2014when I\u2019m sitting down and working on the planned spending with my wife on a Monday night and I say, \u201cThis is where I want my money to go this month,\u201d\u2014 then, on Thursday afternoon, when I\u2019m someplace else\u2014at the ice cream shop\u2014and I go, \u201cI did not put any money\u2014I forgot that I wanted some of my money to go to ice cream this month\u201d; right? [Laughter] So, the problem comes\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>So, you rush out and buy ice cream!\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>8:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014when, all of a sudden, you go: \u201cAh! There were things I forgot that I really thought I\u2019d want.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, it takes about 18 months, Bob, to really get a budget system to work; because you do learn those things. Then, the other thing that\u2019s a problem with budgets is\u2014they don\u2019t get a big enough perspective on the budget. You don\u2019t want to just look, month to month. You want to step back and look at the whole year and, then, start breaking it down. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd the other thing about a budget is the difference between monthly expenses and non-monthly. If I could say to people, \u201cAnything that can help a budget work is distinguishing those.\u201d\u00a0 We met with a young couple\u2014he was budgeting for his car repair at [$]83 a month. I go, \u201cDoes your car break down at [$]83 a month?\u201d\u00a0 \u201cNo; it doesn\u2019t.\u201d\u00a0 \u201cDo you get sick at [$]83 a month?\u00a0 No; you don\u2019t.\u201d\u00a0 So, when you make a distinction between non-monthly items and figure out how you are going to manage that versus monthly, it really is a freeing deal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>It is. That was always a sticking point for me in our planned spending \/ in our budget; because honestly, when I sat down and said, \u201cOkay, this is how much money we\u2019ve got coming in,\u201d\u2014and I want to be prudent\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>9:00<\/strong>\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\u2014\u201cSo, I want to make sure we are giving this much. I want to make sure we\u2019re putting some money aside for this and for that.\u201d\u00a0 I <em>never<\/em> had enough money to\u2014with what I was bringing in, I could never get a budget to get to that number. I always needed more. Yet, it seemed, month to month, we were getting along okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Ultimately, that\u2019s why you have to look at it on an annual basis. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>If I\u2019m going to spend these items to live\u2014then, \u201cHow much do I have to make to support that?\u201d\u00a0 If I don\u2019t make that much, I\u2019ve got to figure out where I\u2019m going to cut. Then, there are some things that are discretionary. For example, you don\u2019t control being sick, or your car needing repaired, or your house needing fixed; but you do control vacation, gifts\u2014things like this\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>\u2014and clothes. You have to decide: \u201cWhich ones do I have control over?\u201d\u00a0 Julie and I\u2014we\u2019d take the first six months and see how it was going in medical, and home repair, and auto repair. If we\u2019re doing okay\u2014the latter part of the year: \u201cAlright, now, we can look at, and let go, and do more gifts and more vacation,\u201d\u2014things like this. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>10:00<\/strong>\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\tI think the biggest thing is that you want to make money a non-issue in your marriage. You have to deal\u2014like Julie said\u2014early on, we were having friction; because we didn\u2019t have a plan. You\u2019ve just got to figure it out, you know: \u201cWho is going to spend what? How are you going to agree on the amounts?\u201d\u2014and things like that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSince we got that figured out, we haven\u2019t really had any conflict. We sit down, between Christmas and New Year\u2019s every year, and kind of reevaluate and recalibrate for the following year. She has her areas that she is going to spend\u2014she feels good and has freedom \/ I\u2019ve got the areas I\u2019m responsible for\u2014and off we go. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Tell us about when you do sit down, at the end of the year, and take a look at\u2014the check stubs, so to speak\u2014and where you spent your money and your credit cards\u2014and how that is spelled out. What does that look like?\u00a0 How do you do that?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Let\u2019s remember\u2014every budget system is like an envelope system. So, basically, at the end of the year, we go back and look and say, \u201cDid we take more out of the envelope than we had in the envelope?\u201d\u00a0 I can tell you\u2014last year, we were over a little bit in gifts; but we were under in vacation. I mean, I have a record\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>11:00<\/strong>\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\u2014so I know where I am each month\u2014I\u2019m either over or under. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tUsually, monthly items never blow a budget; okay?\u00a0 Your utilities, your mortgage, groceries, gas\u2014those are in a pretty tight ban. So, to make budgeting less onerous for you, the monthly is not going to blow your budget, usually. So, now, you\u2019re down to gifts, vacation, home repair, auto repair, clothes. Those are the things that blow the budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Medical. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Medical. So, basically, you\u2019ve said, \u201cI\u2019ve budgeted\u201d\u2014let\u2019s say\u2014\u201c$1,000 a year for all those things.\u201d\u00a0 You get to December\u2014and with your system, you should know if you\u2019re over or under. Then, the other thing you do is\u2014that helps you set the next year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>That\u2019s where we talk together\u2014like, \u201cDid you feel too tight?\u201d\u00a0 I\u2019ll say: \u201cI felt too tight in this area, and we seem to have enough left over in this other area. Can we move things around?\u201d\u00a0 That\u2019s when we unemotionally discuss: \u201cCould we move things around\u2014make things a little bit easier?\u00a0 I don\u2019t need as much in groceries, but could I have some more in my allowance?\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>12:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u2014which is one of the things that Bob mentioned about the ice cream. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you have an allowance envelope\u2014I\u2019m using the envelope\u2014like we use paper clips in my cash register \/ my checking register. In that paper clip, under \u201cAllowance,\u201d I get [$]50 or a [$]100 a month. That\u2019s where ice cream would have come out of, because I\u2019d have that money to spend. I just have to decide, \u201cIs that what I want to spend it on this month?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Julie, have there been times, in the middle of a budget year, where you\u2019ve got allocated \u201cx\u201d amount of money for something\u2014and it\u2019s a choice\u2014it\u2019s not: \u201cThe car lost a transmission. It\u2019s going to cost you a ton,\u201d \/ it\u2019s\u2014you just decide: \u201cWe\u2019re going to blow the budget and not be a slave to it\u201d?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>No! [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>You have towed the line on the budget because that\u2019s what you decided. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>\u2014we have both <em>agreed <\/em>and bought in that, \u201cThis is what we are going to do.\u201d\u00a0 Now, there have been times when things happen\u2014and like\u2014let\u2019s say in the grocery budget\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Julie: <\/strong>\u2014and my son brings over ten of the football team; okay?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>13:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, I don\u2019t have in the budget for that many kids. So, what I\u2019ll do is\u2014I\u2019ll ask him, \u201cWe can do beans and peanut butter, or can I go over in this category?\u201d\u00a0 Then, we decide together. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>So, there\u2019s not a surprise or conflict. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>But do you\u2014from a practical standpoint, you don\u2019t cash your check every month and put it in white envelopes, with [$]100 for groceries\u2014stuff like that; right?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>No. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>No, but it\u2019s the concept. I just want people to understand that you\u2019re only on a budget system if you can answer the question, at any point in time, \u201cHow much do you have left?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Don\u2019t tell me how much you\u2019ve spent. Let\u2019s say: \u201cHere is January 6<sup>th<\/sup>. How much do you have left in groceries for this month?\u00a0 How much left in gas?\u201d\u00a0 If I get down to March 3<sup>rd<\/sup>\u2014and you want to know how much I have left in vacation\u2014I ought to be able to tell you that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Don\u2019t just tell me how much you\u2019ve spent. Tell me how much you <em>have left<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>So, on March 23<sup>rd<\/sup>, you\u2019re looking and you\u2019re going, \u201cOkay; we had set aside $150 for gas this month.\u201d\u00a0 And I\u2019m about to run the credit card, and we\u2019re going to go $10 over for gas. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>14:00<\/strong>\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\tDo you call her and say, \u201cI\u2019m about $10 over for gas\u201d; or do you just fill up half a tank, or what do you do?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>No. That\u2019d be another thing I\u2019d say about a budget\u2014is no budget system works if you are pay check to pay check. You have to have some grease in the system \/ some cash in the system. So, no, I\u2019m not going to talk to her about that. We\u2019ll see if it will level out over the next month. If not, we may get to June and say, \u201cYou know, we just didn\u2019t budget enough.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat\u2019s the other thing\u2014that if you\u2014you miss seeing God work if you don\u2019t really have a spending plan; because sometimes, you don\u2019t get sick \/ your car doesn\u2019t break down; but if you don\u2019t have a plan, you might miss that. One of the <em>beauties<\/em> of a budget\u2014or a spending plan or planned spending, as Julie said\u2014is to see God work. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>One of the things we are kind of assuming here in this conversation is that husbands and wives are <em>talking<\/em> about this together, and they\u2019re in agreement about this together. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Russ: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And that, really, is at the heart of Philippians, Chapter 2. I just want to read these phrases\u2014it talks about us being of the same mind, having the same love, being in full accord, and of one mind. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>15:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob: <\/strong>Yes; that\u2019s the verse you were referring to earlier\u2014yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>I mean, if we, as a couple\u2014and I look back on Barbara and me\u2014the reason we haven\u2019t argued about money all that much over the years is, as we\u2019ve gone about doing life together, we\u2019ve come to the point of being of one accord. Comment on young couples starting out and why you think that is so important. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, I think, Dennis, that if I could say to young couples anything\u2014it\u2019d be that\u2014remember what you just said about how important the marriage is. It\u2019s a model of Christ and the church. We are to live in harmony and unity and be of the same spirit. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd money\u2014you\u2019re going to have to deal with it, like we\u2019ve already said. So, \u201cHow are you going to take this temporal thing called money and manage it?\u201d because you really do have to pay bills, you have to stay within your budget, and so forth. You need to become convinced that your marriage is worth it that \u201cI\u2019m not going to let this temporal thing called money\u2026\u201d That\u2019s what Julie and I had to decide: \u201cWait a minute. This is causing friction. How are we going to develop a system?\u201d Whether it\u2019s an envelope system, or a total cash system, or however you do it\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>16:00<\/strong>\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\u2014just figure out \u201cHow are you going to make this work?\u201d because the goal is that you get to the point it\u2019s really a non-issue. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI mean, Julie and I really don\u2019t have to talk about money\u2014very rarely. If the budget is getting off a little bit, in the middle of the year, we may talk about it \/ then, as we reset the next year; because we\u2019ve done it so long.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd the other thing I would say is realistic amounts. That\u2019s why it takes about 18 months. When we first got married, I said, \u201cOkay, I think like [$]80 a month or something ought to be\u2014or [$]80 a week ought to be enough for groceries,\u201d or something. Well, I had no idea\u2014I\u2019m not buying groceries. So, I just set some arbitrary budget amount. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>How\u2019d that work for you, Julie?<strong>\u00a0 <\/strong>\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>Julie: <\/strong>Not too well!\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>And so, I think a young couple, Dennis, needs to give themselves some time to figure out: \u201cWhat are realistic amounts?\u201d\u00a0 You don\u2019t want it to be so much over that you never have any stress but not so much under that it\u2019s not working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Julie, the wife or the husband, who would say: \u201cI hear you guys saying you need to be able to talk about this. Anytime we start to talk about it, it\u2019s a fight gonna happen. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>17:00<\/strong>\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\u201cWe\u2019ve tried; but every time, it gets emotional\u2014the door gets slammed. We can\u2019t seem to talk about it. How do we get help?\u00a0 What do we do?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>That\u2019s a tough one, because there are a whole bunch of other issues. It can be as simple as personality types. It can be how they were raised\u2014one raised with debt \/ the other was raised not. It can be male\/female. She is more security-oriented; he\u2019s more risk-taking\u2014you know: \u201cDebt is no big deal.\u201d\u00a0 But it can also be a control-thing that: \u201cYou are not going to tell me what to do.\u201d So, then, you have some serious heart issues that may be surfacing through the financial window. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe important thing is\u2014if that\u2019s not working, they do need to get help \/ they do need to have a third party. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Counselor \/ a mentor couple\u2014somebody who\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>A pastor. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014yes\u2014steps in and helps with that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Somebody; yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>And I would say, Bob\u2014that the husband, as the spiritual leader\u2014to all those reasons Julie said can be sources of conflict\u2014but you know, at the end of the day, you have to be able to talk about this. You have to be able to figure out how you\u2019re going to do life. I would say that: \u201cGo get counseling. Figure it out.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI mean, because\u2014then, if you practice it like\u2014Dennis has for 41 \/ Julie and I are for 34\u2014it will get easier. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>18:00<\/strong>\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\tBut it\u2019s not going to start off easy, because you\u2019re bringing these two disparate personalities together \/ different backgrounds. You are ripe for conflict, right off; because you\u2019ve seen different things modeled. Like Julie said, I actually subtracted on my ledger on my checkbook and she didn\u2019t. [Laughter] We had to work through that\u2014over a couple-year period. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Julie: <\/strong>Well, and some of the things that helped me\u2014because I did come\u2014even though raised in a strong, Christian home\u2014came through the feminist ideal, where \u201cI\u2019m not going to let a man\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014\u201cNo man\u2019s going to tell me what to do\u201d? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>\u2014\u201cNo man\u2019s going to tell me what to do. I\u2019m as smart as he is.\u201d I had to go back to Scripture. In Proverbs 31, it talks about: \u201cThe heart of her husband trusts in her.\u201d\u00a0 So, one of the ways I approach money is, \u201cHow can I help him trust me?\u201d because, obviously, that\u2019s a problem or God wouldn\u2019t have put it in Scripture. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOne of the next verses then says, \u201cHe has no lack of honest gain,\u201d\u2014that\u2019s not wasting money so what he\u2019s providing is not wasted\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>19:00<\/strong>\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\u2014\u201cand no need of dishonest spoil.\u201d\u00a0 Well, that is defined as: \u201c\u2026pressuring him for things he can\u2019t afford.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSince finances tear marriages apart more than you like to realize\u2014I don\u2019t want money, which is something that is here on earth\u2014and that God owns the cattle on a thousand hills \/ so money is not a problem to Him\u2014I don\u2019t want that to tear up my marriage. \u201cHow do I approach him with money?\u201d because in the beginning, to be honest, when we did the credit card thing\u2014it was like, \u201cShould we both be on the same credit card?\u201d because his dad told him: \u201cWomen waste money. So, maybe, you ought to have separate credit cards.\u201d\u00a0 We didn\u2019t believe that. We believed you <em>both<\/em> should be on the same one; but I knew there was an issue with him trusting me. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>We ran by something very, very fast that I want you to comment on, Julie. Russ made the statement about a man taking spiritual responsibility for this area and guiding his wife, loving her in the process. When he sits down with you, at the end of the year, and has this conversation, looking back over your money and how you guys have done over the past year\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>20:00<\/strong>\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\u2014how does that make you feel, as a woman, just from the dialogue that you get a chance to have, at that point?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, actually, it is wonderful; because I feel like I\u2019m part of the team\u2014like I\u2019m helping him, which is another\u2014Genesis 2:18 is that God created me to be a helper. I\u2019m going to be happiest when I do that\u2014that means helping him reach his goals. So, if we come together with the finances, and we\u2019re both doing what we have agreed to do, he\u2019s happy. I\u2019m happy because I\u2019m helping him\u2014I feel part of his team\u2014and I feel like he enjoys having me work through life with him. It\u2019s not just money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes; and we\u2019ve talked about some important issues here today. We talked about being in agreement\u2014kind of having what you called a \u201cplanned spending\u201d approach to money. Secondly, we\u2019ve talked about the importance of dialogue and getting on the same page together. That means listening but also talking. Then, third, we\u2019ve talked about\u2014in a number of ways\u2014about adjusting. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>21:00<\/strong>\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\tWhen something doesn\u2019t happen the way you expected it to happen, making the adjustment<em> together<\/em> and moving forward in agreement, as a couple. And back to how you started the broadcast, Bob, if couples are doing that, they are not going to argue about money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Well, and maybe a good place to start is to get a copy of a book like the one that Russ has written to help spark some healthy conversation in your marriage about the money decisions that you face, as a couple. We\u2019ve got copies of <em>8 Important Money Decisions for Every Couple<\/em> in our <em>FamilyLife Today<\/em> Resource Center. You can order the book when you go, online, to FamilyLifeToday.com; or call 1-800-FL-TODAY. Again, the website is FamilyLifeToday.com; or you can call to order at 1-800-358-6329. That\u2019s 1-800-\u201cF\u201d as in family, \u201cL\u201d as in life, and then the word, \u201cTODAY.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI know some of you are aware that one of the things we\u2019re working on, here, at FamilyLife is a new video series that\u2019s all about parenting\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>22:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u2014it\u2019s something that we hope to have ready early next year. It\u2019s an involved project\u2014we\u2019ve talked to more than a dozen different contributors, who are speaking into the priorities of parenting. We\u2019re getting it all put together right now.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhen I have talked to folks and told them that this is something we\u2019re working on, I\u2019ve had a lot of people, who have said, \u201cI\u2019m so glad!\u201d because they see this as a need today in Christian families. They see moms and dads needing help \/ needing biblical guidance on how to raise the next generation. That\u2019s our commitment\u2014we want to provide practical biblical help and hope for couples and for parents with the resources we create, with this daily radio program, our events, our website\u2014it\u2019s what we\u2019re all about, here, at FamilyLife. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, during the summer months, we\u2019re hoping we can stay on track on this and other projects that we\u2019ve got going on. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>23:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tTo do that, we\u2019ve determined that we need to raise some money this month. We need to raise $1.1 million that will provide for us the funds necessary to move forward on these projects. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat\u2019s why we\u2019re asking you\u2014if you\u2019re a regular listener to <em>FamilyLife Today<\/em>\u2014maybe you\u2019ve given in the past \/ maybe you\u2019ve never made a donation in support of this ministry\u2014we\u2019re asking you to be as generous as you can be this month to help us reach this $1.1 million goal. There are some matching funds that have been made available so that your donations can be matched. The detail about that can be found, online, at FamilyLifeToday.com. When you go online to make a donation, the information about the matching gift is available there. You can donate online or you can call to donate at 1-800-FL-TODAY. Or you can mail a donation to us at <em>FamilyLife Today<\/em> at PO Box 7111, Little Rock, AR; our zip code is 72223.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>24:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, tomorrow, we want to talk about who ought to be in charge of the family finances. Is it just whoever is the best at math or does the Bible give any instruction or direction about whose responsibility it is to make sure the bills get paid? We\u2019ll talk more about that\u2014and other subjects\u2014 tomorrow. I hope you can tune in for that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, along with our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas; a Cru<sup>\u00ae<\/sup> ministry.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHelp for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve 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?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2017 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\t\t\t<\/p>"],"_seopress_titles_title":[""],"_seopress_titles_desc":[""],"_seopress_robots_index":[""],"duration":["00:29:25"],"show_notes":[""],"_thumbnail_id":["294104"],"filesize":["26.93M"],"filesize_raw":["28239500"],"_uag_css_file_name":["uag-css-304508.css"],"_uag_js_file_name":["uag-js-304508.js"],"_uag_page_assets":["a:9:{s:3:\"css\";s:82560:\".wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-bottom 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Crosson and his wife, Julie, talk about the wisdom of planning a family budget. The Crossons recall the tensions they experienced early in their marriage.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2017-05-17.pdf","transcript_content":"<strong>Bob: <\/strong>Do you have a budget for your marriage \/ for your family?\u00a0 That\u2019s a good idea; but Russ Crosson says, \u201cEven if you have a budget, it may not be realistic.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>We first got married. I said, \u201cOkay, I think like [$]80 a week ought to be enough for groceries or something.\u201d\u00a0 Well, I had no idea\u2014I\u2019m not buying groceries. I just set some arbitrary budget amount. I think a young couple needs to give themselves some time to figure out what are realistic amounts. You don\u2019t want to be so much over that you never have any stress but not so much under that it\u2019s not working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>This is <em>FamilyLife Today<\/em> for Wednesday, May 17<sup>th<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. We have some very practical advice for you today on your money. Russ and Julie Crosson are here. We\u2019ll learn from some of the mistakes they made early in their marriage. Stay with us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You know what? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>1:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tMary Ann and I will celebrate\u2014this week\u201438 years of marriage.\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>Congratulations. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>I do not think we\u2019ve had a fight about money in any of those 38 years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Uh-oh!\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>We have not always seen, eye to eye on, every money decision that was made\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>That\u2019s because you are always right?\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Part of the reason\u2014here\u2019s what I was thinking, \u201cWhy have we not\u2014why has this not been an area of conflict for us?\u201d\u00a0 Part of it is because I married a very <em>frugal <\/em>woman, and that\u2019s helped. She has not been somebody who has <em>wanted<\/em> more than we could afford. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>In fact, she\u2019s always been on the frugal side. So, some of the disagreements have been about: \u201cHow much stuff do we need?\u201d because I was the guy\u2014as we\u2019ve talked on <em>FamilyLife Today<\/em>\u2014I was the guy who bought the thousand straws when she said we should just buy a box of a hundred [Laughter]\u2014but it was so much cheaper if you bought them in the bulk like that. So, we\u2019ve had areas where we didn\u2019t necessarily see eye to eye; but in general, we\u2019ve just not had a whole lot of marital conflict around money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>2:00<\/strong>\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>And we\u2019re really setting you up for some healthy, financial counseling, Bob; because at the table is the President and CEO\u2014[Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>You and Barbara\u2014do you and Barbara fight\u2014introduce them\u2014and then, I want to know if you guys have ever had big money fights. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Oh, that\u2019s real simple\u2014[Laughter]\u2014President and CEO of Ron Blue &amp; Company join us on <em>FamilyLife Today<\/em>. Russ Crosson joins us on the broadcast, along with his wife Julie. Welcome to the broadcast. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Dennis, it\u2019s great to be here. Thanks for having us. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Thank you. Good to be here. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>You\u2019ve written a book here called <em>8 Important Money Decisions for Every Couple<\/em>. Is it possible to go through a lifetime and not have fights about money?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>I think it\u2019s possible, but you have to start off right. So, Bob may be the exception. [Laughter]\u00a0 Most people have struggles with money; but if you start off on the right path, you have a chance to have some great harmony and not have so much friction. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Russ, I wrote the foreword to your book, <em>8 Important Money Decisions for Every Couple<\/em>, because you really come at this from a thorough biblical worldview. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>3:00<\/strong>\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\tThat really solves a lot of issues when it comes to a married couple handling money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, it really does, Dennis. I mean, you go to Philippians 2, where it talks about being of one mind, united in spirit, and intent on one purpose. God wants us to have harmonious marriages\u2014money is temporal \/ our marriages have eternal impact. So, it seems silly to let something temporal undermine something that is eternal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Let\u2019s just cut to the chase. How about you [Julie] and your husband, Russ?\u00a0 [Laughter] Have you ever had a defining argument about money?\u00a0 I mean, Barbara and I give leadership to a marriage and family ministry\u2014have we had defining moments in our marriage?\u2014you better believe it!\u00a0 I can\u2019t imagine you guys giving leadership in this area without having some of your own illustrations. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, we do. In fact, when we had only been married probably a year-and-a-half\u2014moved down to Atlanta. Russ took a pay cut, and I quit working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>4:00<\/strong>\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\tHe is very controlling. He wanted to know where everything was\u2014where every penny was. I always felt like I was a good money manager; but he would come home and say, \u201cWhat did you spend?\u201d\u00a0 Well, I hadn\u2019t even been out!\u00a0 [Laughter]\u00a0 So, that was\u2014then, it was not just <em>one<\/em> time\u2014it was three or four times: \u201cDid you spend anything today?\u00a0 What did you spend?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tFinally, it hurt my feelings; because I felt like I was very careful and that I wasn\u2019t doing anything that I shouldn\u2019t have. Finally, we realized: \u201cThis is not working. We need a system where he can relax\u2014I can work within the boundaries, but he\u2019s not worried all the time.\u201d\u00a0 That\u2019s where our budgeting came from. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And so, let\u2019s hear the other half of this story. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>This issue with the budget was really a catalyst for us to say, \u201cYou know, we\u2019ve got to deal with this.\u201d\u00a0 That\u2019s when we developed the system we talk about in the book, which just basically\u2014you know, we agree together on the amounts; then, who is going to do what. Yes; I had forgotten she was a little ticked at me for always asking what she was spending and all that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>5:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>She used the word, \u201ccontrolling.\u201d\u00a0 Were you controlling back then?\u00a0 [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>He asked her four times a day. [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>I don\u2019t think it was that much; but you\u2019ve got to remember\u2014I took a pay cut. It was tight, and we just wanted to make sure we made it. Plus, I\u2019m more the numbers guy. Now, let\u2019s take it back a little bit further. When I first started dating Julie, I looked at her checkbook\u2014there were no balances. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Okay; let me defend myself here. [Laughter] I grew up in a home where we did not use debt\u2014everything was cash. So, when I started working, I kept all the numbers; but I didn\u2019t subtract. I knew I was saving a thousand a month: \u201cWhy should I budget?\u201d\u00a0 [Laughter]\u00a0 So, I think he was <em>worried<\/em> from the beginning. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>So, Bob, you wonder why I was controlling. I mean, you know, she never wrote anything in her checkbook. I\u2019m like, \u201cAre we going under water, or are we not?\u201d\u00a0 So, that was part of the reason for me to figure out: \u201cWe better\u2026\u201d\u2014I was controlling and wanting to know what was going on \/ she never subtracted\u2014she knew there was enough in there. And that\u2019s part of it\u2014when you get married, you go from playing singles\u2014you start playing doubles\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>6:00<\/strong>\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\u2014to use a tennis illustration. We both had to get on the same page. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI\u2014as we\u2019ve counseled couples, we\u2019ve realized, \u201cYou bring these two different, selfish people together; and money is one of those things you have to deal with.\u201d\u00a0 You\u2019ve got to buy kids\u2019 braces, and put food on the table, and put gas in the car\u2014or whatever. So, you have to deal with it every day. That\u2019s why I think, Dennis, they can become such a lightning rod. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>And one of the things\u2014I hate the word, \u201cbudget,\u201d because, to me, that sounds <em>terrible<\/em>. So, once we realized we had to get a control system\u2014we call it \u201cplanned spending.\u201d\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Having planned spending\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014that\u2019s a good thought. Oh, yes\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Don\u2019t you say, \u201cBudget,\u201d to me. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014no one wants a budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>That\u2019s exactly where I was going with this conversation, because it was the budget that really got Barbara and I\u2014to use your illustration, Russ\u2014off the same song sheet. By establishing how we were going to spend, save, give, that really settled a lot of issues in advance. Now, at that point, you have to live with it; but the budget or\u2014what did you call it?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Planned spending. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>7:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Controlled\u2014[Laughter]\u2014that sounds, to me, like it is <em>controlled<\/em> spending. [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Well, in order to have planned spending, you have to have some conversation about values \/ about what\u2019s important. That\u2019s <em>really<\/em>\u2014money is just a symptom; isn\u2019t it?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>It really is, because one of you may use it on vacation. The other one may want to have different furniture in the house or whatever. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tDennis, I want to come back to what you said. Let\u2019s remember a budget is simply telling your money where you want it to go, rather than wondering where it went. That\u2019s the real difference. People think it\u2019s restrictive; but in reality, it\u2019s freeing. It\u2019s just like with children. You know, discipline and giving them boundaries really frees them up. It\u2019s the same way with money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>The problem is\u2014when I\u2019m sitting down and working on the planned spending with my wife on a Monday night and I say, \u201cThis is where I want my money to go this month,\u201d\u2014 then, on Thursday afternoon, when I\u2019m someplace else\u2014at the ice cream shop\u2014and I go, \u201cI did not put any money\u2014I forgot that I wanted some of my money to go to ice cream this month\u201d; right? [Laughter] So, the problem comes\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>So, you rush out and buy ice cream!\u00a0 [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>8:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014when, all of a sudden, you go: \u201cAh! There were things I forgot that I really thought I\u2019d want.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, it takes about 18 months, Bob, to really get a budget system to work; because you do learn those things. Then, the other thing that\u2019s a problem with budgets is\u2014they don\u2019t get a big enough perspective on the budget. You don\u2019t want to just look, month to month. You want to step back and look at the whole year and, then, start breaking it down. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd the other thing about a budget is the difference between monthly expenses and non-monthly. If I could say to people, \u201cAnything that can help a budget work is distinguishing those.\u201d\u00a0 We met with a young couple\u2014he was budgeting for his car repair at [$]83 a month. I go, \u201cDoes your car break down at [$]83 a month?\u201d\u00a0 \u201cNo; it doesn\u2019t.\u201d\u00a0 \u201cDo you get sick at [$]83 a month?\u00a0 No; you don\u2019t.\u201d\u00a0 So, when you make a distinction between non-monthly items and figure out how you are going to manage that versus monthly, it really is a freeing deal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>It is. That was always a sticking point for me in our planned spending \/ in our budget; because honestly, when I sat down and said, \u201cOkay, this is how much money we\u2019ve got coming in,\u201d\u2014and I want to be prudent\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>9:00<\/strong>\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\u2014\u201cSo, I want to make sure we are giving this much. I want to make sure we\u2019re putting some money aside for this and for that.\u201d\u00a0 I <em>never<\/em> had enough money to\u2014with what I was bringing in, I could never get a budget to get to that number. I always needed more. Yet, it seemed, month to month, we were getting along okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Ultimately, that\u2019s why you have to look at it on an annual basis. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>If I\u2019m going to spend these items to live\u2014then, \u201cHow much do I have to make to support that?\u201d\u00a0 If I don\u2019t make that much, I\u2019ve got to figure out where I\u2019m going to cut. Then, there are some things that are discretionary. For example, you don\u2019t control being sick, or your car needing repaired, or your house needing fixed; but you do control vacation, gifts\u2014things like this\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>\u2014and clothes. You have to decide: \u201cWhich ones do I have control over?\u201d\u00a0 Julie and I\u2014we\u2019d take the first six months and see how it was going in medical, and home repair, and auto repair. If we\u2019re doing okay\u2014the latter part of the year: \u201cAlright, now, we can look at, and let go, and do more gifts and more vacation,\u201d\u2014things like this. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>10:00<\/strong>\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\tI think the biggest thing is that you want to make money a non-issue in your marriage. You have to deal\u2014like Julie said\u2014early on, we were having friction; because we didn\u2019t have a plan. You\u2019ve just got to figure it out, you know: \u201cWho is going to spend what? How are you going to agree on the amounts?\u201d\u2014and things like that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSince we got that figured out, we haven\u2019t really had any conflict. We sit down, between Christmas and New Year\u2019s every year, and kind of reevaluate and recalibrate for the following year. She has her areas that she is going to spend\u2014she feels good and has freedom \/ I\u2019ve got the areas I\u2019m responsible for\u2014and off we go. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Tell us about when you do sit down, at the end of the year, and take a look at\u2014the check stubs, so to speak\u2014and where you spent your money and your credit cards\u2014and how that is spelled out. What does that look like?\u00a0 How do you do that?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Let\u2019s remember\u2014every budget system is like an envelope system. So, basically, at the end of the year, we go back and look and say, \u201cDid we take more out of the envelope than we had in the envelope?\u201d\u00a0 I can tell you\u2014last year, we were over a little bit in gifts; but we were under in vacation. I mean, I have a record\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>11:00<\/strong>\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\u2014so I know where I am each month\u2014I\u2019m either over or under. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tUsually, monthly items never blow a budget; okay?\u00a0 Your utilities, your mortgage, groceries, gas\u2014those are in a pretty tight ban. So, to make budgeting less onerous for you, the monthly is not going to blow your budget, usually. So, now, you\u2019re down to gifts, vacation, home repair, auto repair, clothes. Those are the things that blow the budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Medical. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Medical. So, basically, you\u2019ve said, \u201cI\u2019ve budgeted\u201d\u2014let\u2019s say\u2014\u201c$1,000 a year for all those things.\u201d\u00a0 You get to December\u2014and with your system, you should know if you\u2019re over or under. Then, the other thing you do is\u2014that helps you set the next year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>That\u2019s where we talk together\u2014like, \u201cDid you feel too tight?\u201d\u00a0 I\u2019ll say: \u201cI felt too tight in this area, and we seem to have enough left over in this other area. Can we move things around?\u201d\u00a0 That\u2019s when we unemotionally discuss: \u201cCould we move things around\u2014make things a little bit easier?\u00a0 I don\u2019t need as much in groceries, but could I have some more in my allowance?\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>12:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u2014which is one of the things that Bob mentioned about the ice cream. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you have an allowance envelope\u2014I\u2019m using the envelope\u2014like we use paper clips in my cash register \/ my checking register. In that paper clip, under \u201cAllowance,\u201d I get [$]50 or a [$]100 a month. That\u2019s where ice cream would have come out of, because I\u2019d have that money to spend. I just have to decide, \u201cIs that what I want to spend it on this month?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Julie, have there been times, in the middle of a budget year, where you\u2019ve got allocated \u201cx\u201d amount of money for something\u2014and it\u2019s a choice\u2014it\u2019s not: \u201cThe car lost a transmission. It\u2019s going to cost you a ton,\u201d \/ it\u2019s\u2014you just decide: \u201cWe\u2019re going to blow the budget and not be a slave to it\u201d?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>No! [Laughter]\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>You have towed the line on the budget because that\u2019s what you decided. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>\u2014we have both <em>agreed <\/em>and bought in that, \u201cThis is what we are going to do.\u201d\u00a0 Now, there have been times when things happen\u2014and like\u2014let\u2019s say in the grocery budget\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Julie: <\/strong>\u2014and my son brings over ten of the football team; okay?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>13:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, I don\u2019t have in the budget for that many kids. So, what I\u2019ll do is\u2014I\u2019ll ask him, \u201cWe can do beans and peanut butter, or can I go over in this category?\u201d\u00a0 Then, we decide together. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>So, there\u2019s not a surprise or conflict. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>But do you\u2014from a practical standpoint, you don\u2019t cash your check every month and put it in white envelopes, with [$]100 for groceries\u2014stuff like that; right?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>No. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>No, but it\u2019s the concept. I just want people to understand that you\u2019re only on a budget system if you can answer the question, at any point in time, \u201cHow much do you have left?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Don\u2019t tell me how much you\u2019ve spent. Let\u2019s say: \u201cHere is January 6<sup>th<\/sup>. How much do you have left in groceries for this month?\u00a0 How much left in gas?\u201d\u00a0 If I get down to March 3<sup>rd<\/sup>\u2014and you want to know how much I have left in vacation\u2014I ought to be able to tell you that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Don\u2019t just tell me how much you\u2019ve spent. Tell me how much you <em>have left<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>So, on March 23<sup>rd<\/sup>, you\u2019re looking and you\u2019re going, \u201cOkay; we had set aside $150 for gas this month.\u201d\u00a0 And I\u2019m about to run the credit card, and we\u2019re going to go $10 over for gas. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>14:00<\/strong>\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\tDo you call her and say, \u201cI\u2019m about $10 over for gas\u201d; or do you just fill up half a tank, or what do you do?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>No. That\u2019d be another thing I\u2019d say about a budget\u2014is no budget system works if you are pay check to pay check. You have to have some grease in the system \/ some cash in the system. So, no, I\u2019m not going to talk to her about that. We\u2019ll see if it will level out over the next month. If not, we may get to June and say, \u201cYou know, we just didn\u2019t budget enough.\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat\u2019s the other thing\u2014that if you\u2014you miss seeing God work if you don\u2019t really have a spending plan; because sometimes, you don\u2019t get sick \/ your car doesn\u2019t break down; but if you don\u2019t have a plan, you might miss that. One of the <em>beauties<\/em> of a budget\u2014or a spending plan or planned spending, as Julie said\u2014is to see God work. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>One of the things we are kind of assuming here in this conversation is that husbands and wives are <em>talking<\/em> about this together, and they\u2019re in agreement about this together. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Russ: <\/strong>Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And that, really, is at the heart of Philippians, Chapter 2. I just want to read these phrases\u2014it talks about us being of the same mind, having the same love, being in full accord, and of one mind. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>15:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob: <\/strong>Yes; that\u2019s the verse you were referring to earlier\u2014yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>I mean, if we, as a couple\u2014and I look back on Barbara and me\u2014the reason we haven\u2019t argued about money all that much over the years is, as we\u2019ve gone about doing life together, we\u2019ve come to the point of being of one accord. Comment on young couples starting out and why you think that is so important. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>Well, I think, Dennis, that if I could say to young couples anything\u2014it\u2019d be that\u2014remember what you just said about how important the marriage is. It\u2019s a model of Christ and the church. We are to live in harmony and unity and be of the same spirit. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd money\u2014you\u2019re going to have to deal with it, like we\u2019ve already said. So, \u201cHow are you going to take this temporal thing called money and manage it?\u201d because you really do have to pay bills, you have to stay within your budget, and so forth. You need to become convinced that your marriage is worth it that \u201cI\u2019m not going to let this temporal thing called money\u2026\u201d That\u2019s what Julie and I had to decide: \u201cWait a minute. This is causing friction. How are we going to develop a system?\u201d Whether it\u2019s an envelope system, or a total cash system, or however you do it\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>16:00<\/strong>\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\u2014just figure out \u201cHow are you going to make this work?\u201d because the goal is that you get to the point it\u2019s really a non-issue. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI mean, Julie and I really don\u2019t have to talk about money\u2014very rarely. If the budget is getting off a little bit, in the middle of the year, we may talk about it \/ then, as we reset the next year; because we\u2019ve done it so long.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd the other thing I would say is realistic amounts. That\u2019s why it takes about 18 months. When we first got married, I said, \u201cOkay, I think like [$]80 a month or something ought to be\u2014or [$]80 a week ought to be enough for groceries,\u201d or something. Well, I had no idea\u2014I\u2019m not buying groceries. So, I just set some arbitrary budget amount. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>How\u2019d that work for you, Julie?<strong>\u00a0 <\/strong>\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>Julie: <\/strong>Not too well!\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>And so, I think a young couple, Dennis, needs to give themselves some time to figure out: \u201cWhat are realistic amounts?\u201d\u00a0 You don\u2019t want it to be so much over that you never have any stress but not so much under that it\u2019s not working. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Julie, the wife or the husband, who would say: \u201cI hear you guys saying you need to be able to talk about this. Anytime we start to talk about it, it\u2019s a fight gonna happen. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>17:00<\/strong>\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\u201cWe\u2019ve tried; but every time, it gets emotional\u2014the door gets slammed. We can\u2019t seem to talk about it. How do we get help?\u00a0 What do we do?\u201d\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>That\u2019s a tough one, because there are a whole bunch of other issues. It can be as simple as personality types. It can be how they were raised\u2014one raised with debt \/ the other was raised not. It can be male\/female. She is more security-oriented; he\u2019s more risk-taking\u2014you know: \u201cDebt is no big deal.\u201d\u00a0 But it can also be a control-thing that: \u201cYou are not going to tell me what to do.\u201d So, then, you have some serious heart issues that may be surfacing through the financial window. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe important thing is\u2014if that\u2019s not working, they do need to get help \/ they do need to have a third party. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Counselor \/ a mentor couple\u2014somebody who\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>A pastor. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014yes\u2014steps in and helps with that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Somebody; yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Russ: <\/strong>And I would say, Bob\u2014that the husband, as the spiritual leader\u2014to all those reasons Julie said can be sources of conflict\u2014but you know, at the end of the day, you have to be able to talk about this. You have to be able to figure out how you\u2019re going to do life. I would say that: \u201cGo get counseling. Figure it out.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI mean, because\u2014then, if you practice it like\u2014Dennis has for 41 \/ Julie and I are for 34\u2014it will get easier. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>18:00<\/strong>\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\tBut it\u2019s not going to start off easy, because you\u2019re bringing these two disparate personalities together \/ different backgrounds. You are ripe for conflict, right off; because you\u2019ve seen different things modeled. Like Julie said, I actually subtracted on my ledger on my checkbook and she didn\u2019t. [Laughter] We had to work through that\u2014over a couple-year period. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Julie: <\/strong>Well, and some of the things that helped me\u2014because I did come\u2014even though raised in a strong, Christian home\u2014came through the feminist ideal, where \u201cI\u2019m not going to let a man\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014\u201cNo man\u2019s going to tell me what to do\u201d? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>\u2014\u201cNo man\u2019s going to tell me what to do. I\u2019m as smart as he is.\u201d I had to go back to Scripture. In Proverbs 31, it talks about: \u201cThe heart of her husband trusts in her.\u201d\u00a0 So, one of the ways I approach money is, \u201cHow can I help him trust me?\u201d because, obviously, that\u2019s a problem or God wouldn\u2019t have put it in Scripture. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tOne of the next verses then says, \u201cHe has no lack of honest gain,\u201d\u2014that\u2019s not wasting money so what he\u2019s providing is not wasted\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>19:00<\/strong>\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\u2014\u201cand no need of dishonest spoil.\u201d\u00a0 Well, that is defined as: \u201c\u2026pressuring him for things he can\u2019t afford.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSince finances tear marriages apart more than you like to realize\u2014I don\u2019t want money, which is something that is here on earth\u2014and that God owns the cattle on a thousand hills \/ so money is not a problem to Him\u2014I don\u2019t want that to tear up my marriage. \u201cHow do I approach him with money?\u201d because in the beginning, to be honest, when we did the credit card thing\u2014it was like, \u201cShould we both be on the same credit card?\u201d because his dad told him: \u201cWomen waste money. So, maybe, you ought to have separate credit cards.\u201d\u00a0 We didn\u2019t believe that. We believed you <em>both<\/em> should be on the same one; but I knew there was an issue with him trusting me. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>We ran by something very, very fast that I want you to comment on, Julie. Russ made the statement about a man taking spiritual responsibility for this area and guiding his wife, loving her in the process. When he sits down with you, at the end of the year, and has this conversation, looking back over your money and how you guys have done over the past year\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>20:00<\/strong>\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\u2014how does that make you feel, as a woman, just from the dialogue that you get a chance to have, at that point?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Julie: <\/strong>Well, actually, it is wonderful; because I feel like I\u2019m part of the team\u2014like I\u2019m helping him, which is another\u2014Genesis 2:18 is that God created me to be a helper. I\u2019m going to be happiest when I do that\u2014that means helping him reach his goals. So, if we come together with the finances, and we\u2019re both doing what we have agreed to do, he\u2019s happy. I\u2019m happy because I\u2019m helping him\u2014I feel part of his team\u2014and I feel like he enjoys having me work through life with him. It\u2019s not just money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes; and we\u2019ve talked about some important issues here today. We talked about being in agreement\u2014kind of having what you called a \u201cplanned spending\u201d approach to money. Secondly, we\u2019ve talked about the importance of dialogue and getting on the same page together. That means listening but also talking. Then, third, we\u2019ve talked about\u2014in a number of ways\u2014about adjusting. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>21:00<\/strong>\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\tWhen something doesn\u2019t happen the way you expected it to happen, making the adjustment<em> together<\/em> and moving forward in agreement, as a couple. And back to how you started the broadcast, Bob, if couples are doing that, they are not going to argue about money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Well, and maybe a good place to start is to get a copy of a book like the one that Russ has written to help spark some healthy conversation in your marriage about the money decisions that you face, as a couple. We\u2019ve got copies of <em>8 Important Money Decisions for Every Couple<\/em> in our <em>FamilyLife Today<\/em> Resource Center. You can order the book when you go, online, to FamilyLifeToday.com; or call 1-800-FL-TODAY. Again, the website is FamilyLifeToday.com; or you can call to order at 1-800-358-6329. That\u2019s 1-800-\u201cF\u201d as in family, \u201cL\u201d as in life, and then the word, \u201cTODAY.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI know some of you are aware that one of the things we\u2019re working on, here, at FamilyLife is a new video series that\u2019s all about parenting\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>22:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t\u2014it\u2019s something that we hope to have ready early next year. It\u2019s an involved project\u2014we\u2019ve talked to more than a dozen different contributors, who are speaking into the priorities of parenting. We\u2019re getting it all put together right now.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhen I have talked to folks and told them that this is something we\u2019re working on, I\u2019ve had a lot of people, who have said, \u201cI\u2019m so glad!\u201d because they see this as a need today in Christian families. They see moms and dads needing help \/ needing biblical guidance on how to raise the next generation. That\u2019s our commitment\u2014we want to provide practical biblical help and hope for couples and for parents with the resources we create, with this daily radio program, our events, our website\u2014it\u2019s what we\u2019re all about, here, at FamilyLife. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, during the summer months, we\u2019re hoping we can stay on track on this and other projects that we\u2019ve got going on. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>23:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tTo do that, we\u2019ve determined that we need to raise some money this month. We need to raise $1.1 million that will provide for us the funds necessary to move forward on these projects. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThat\u2019s why we\u2019re asking you\u2014if you\u2019re a regular listener to <em>FamilyLife Today<\/em>\u2014maybe you\u2019ve given in the past \/ maybe you\u2019ve never made a donation in support of this ministry\u2014we\u2019re asking you to be as generous as you can be this month to help us reach this $1.1 million goal. There are some matching funds that have been made available so that your donations can be matched. The detail about that can be found, online, at FamilyLifeToday.com. When you go online to make a donation, the information about the matching gift is available there. You can donate online or you can call to donate at 1-800-FL-TODAY. Or you can mail a donation to us at <em>FamilyLife Today<\/em> at PO Box 7111, Little Rock, AR; our zip code is 72223.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>24:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, tomorrow, we want to talk about who ought to be in charge of the family finances. Is it just whoever is the best at math or does the Bible give any instruction or direction about whose responsibility it is to make sure the bills get paid? We\u2019ll talk more about that\u2014and other subjects\u2014 tomorrow. I hope you can tune in for that.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, along with our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas; a Cru<sup>\u00ae<\/sup> ministry.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tHelp for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve 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?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2017 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\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\/304508","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=304508"}],"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=304508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/categories?post=304508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/tags?post=304508"},{"taxonomy":"podcast_series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast_series?post=304508"},{"taxonomy":"cwp_profile","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/cwp_profile?post=304508"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/series?post=304508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}