Relationships · Communication
Money Conversation Worksheet
Money is a values problem, not a math problem
Money isn't a math problem — it's a values, family-of-origin, and safety problem. This worksheet gets the actual conversation started, without the numbers being the first thing on the table.
Money in my family growing up — feast, famine, secrecy, control?
My money 'setpoint' — what makes me feel safe / panicked
What money means to me (freedom, security, status, love)
What I've been hiding or shading in our finances
Practical next steps
- Both know all accounts, debts, income
- Monthly 30-min money meeting
- A yours / mine / ours structure that fits our values
- Agreed threshold for solo spending
Money reveals values before it reveals numbers
Start with what money means to each of you. The spreadsheet fights get resolvable once the values fights have been named.