how to know when it’s time to leave a relationship

How to Know When It’s Time to Leave a Relationship. Image - hand holding a Post-it note with Time to Say Goodbye on it

How to Know When It’s Time to Leave a Relationship

Without Breaking Yourself

by Dr. D Ivan Young, MCC, NBC-HWC

If you’re secretly Googling how to know when it’s time to leave a relationship, you’re not weak—you’re finally getting honest. From the outside, your life may look curated: impressive title, polished brand, beautiful photos. Underneath, however, you might be living with a knot in your stomach that never really goes away.

For high-achievers, the hardest part usually isn’t leaving. The hardest part is admitting that the version of you who built this life is no longer willing to live like this. As a behavioral neuroscience expert and Master Certified Coach, I sit with people who can close eight-figure deals, yet whisper, “I’m terrified of making the wrong move in my own home.” That’s not drama; that’s nervous-system overload. And if we don’t name it, it owns you.

The Private Hell Behind the Polished Public Life

Boardrooms, courtrooms, the OR suites, stages, stadiums and studios reward control. At home, though, that same control often morphs into emotional shutdown, people-pleasing, or quiet rage.

You might wake up next to someone and still feel completely alone. You attend events together, yet move like well-dressed colleagues sharing a schedule, not a life. On paper, everything works. Emotionally, nothing does.

More importantly, the gap between your public image and private reality keeps widening. That gap is where anxiety, insomnia, and burnout set up shop. Ultimately, this is where you start asking the question you’ve avoided for years:

“Is this relationship helping me grow into my highest self or am I betraying myself just to keep up appearances?”

The longer you stay in a misaligned relationship, the more your brain normalizes the dysfunction. That’s neuroscience, not judgment. Your nervous system learns patterns the way your muscles learn a golf swing—through repetition, not intention.

Eventually, chaos can feel familiar while peace feels suspicious. As a result, you may unconsciously recreate what you say you never want again.

Think of your relationship like a company. When the numbers are bleeding red, a smart CEO doesn’t just “hope it gets better.” They pull the reports, face the losses, and make hard decisions. Your emotional life deserves the same level of sober review.

However, many brilliant people never run that audit on their hearts. They just keep funding an emotional business that hasn’t been profitable in years.

How to Know When It’s Time to Leave a Relationship: The Inner Test

There’s no single moment when the universe sends a certified letter saying, “Now you may exit.” Instead, there are patterns—consistent signals that your spirit is already halfway out the door.

Think about the following, with ruthless honesty:

  • You love your partner, but you no longer feel emotionally safe with them.

  • You feel calmer when they’re away than when they’re home.

  • You can’t bring your full truth to the relationship because it always backfires.

  • You’ve done real work – therapy, coaching, communication, yet the pattern still repeats itself.

  • You’re staying mostly for optics, obligation, kids, or fear of financial and social fallout.

On the other hand, staying in a relationship where you abandon your own truth is its own kind of divorce – an internal one. You divorce yourself, then wonder why you feel numb.

The Difference Between a Rough Season and a Dead Situation

Every relationship hits turbulence. Conflict alone does not mean it’s time to leave. The question isn’t, “Are we struggling?” The real question is, “Do we still grow when we struggle?”

When a relationship is alive, hard conversations lead to deeper understanding. Boundaries are uncomfortable, yet they produce respect. Repair is possible because both people are willing to change, not just apologize.

When a relationship is functionally over, everything becomes a negotiation of your basic needs. You stop asking for emotional support because it turns into an argument. You censor your joy because it threatens their insecurity. You shrink your future so you don’t have to fight about your calling.

Ultimately, a living relationship stretches you, but it doesn’t erase you. A dead one requires you to bury yourself to keep the peace.

Why High Achievers Stay Stuck So Long

Let’s tell the truth: smart people can stay in painful relationships for decades. Not because they’re foolish, but because their strengths are weaponized against them.

  • Discipline becomes “I don’t quit, no matter what.”

  • Loyalty turns into “I’d rather suffer than disappoint anyone.”

  • Image-consciousness becomes “What will the board, the church, the partners, the kids think?”

Consequently, you start treating your own wellbeing like a side project. You negotiate with your nervous system the way you negotiate contracts: “If I can just hold out until the kids graduate… until the next promotion… until after this deal closes…”

By the time you realize how much it’s costing you, the emotional debt has accrued interest: health issues, resentment, affairs, burnout, sometimes public scandal.

The Airport Analogy: Are You Waiting on a Flight That’s Already Canceled?

Imagine sitting at a gate in an airport. The monitor quietly changes your flight status from “Delayed” to “Canceled,” yet you refuse to move. You stay glued to the chair because you’ve already invested time, money, and energy.

You watch other passengers head to new gates, rebook flights, and adjust, while you stay rooted in denial, staring at a door that will never open.

Relationships work the same way. Once you know, deep down, that this dynamic will not change in any meaningful way, staying becomes a choice – not a sentence. More importantly, your decision stops being about “Are they a bad person?” and becomes “Is this still the right assignment for my life?”

A Reality Check: What Is This Relationship Costing You?

High performers think in terms of cost, risk, and return. Use that same lens here.

Consider the real price you’re paying in:

  • Cognitive load: How much mental bandwidth do you lose to overthinking every conversation?

  • Energy: How often do you show up to work emotionally hungover from last night’s argument?

  • Health: How is your sleep, blood pressure, weight, or immune system responding to chronic stress?

  • Legacy: What are your children, team, or audience learning about love by watching you?

As a result of staying, you might be modeling that success requires self-abandonment. That’s not just about you; that’s about the blueprint you’re handing the next generation.

Radical Responsibility: Your Part in the Story

This next part is tender but necessary. You may not have created all the damage, yet you did participate in the pattern.

At some point, you overrode your instincts. You explained away red flags. You fell in love with potential and tried to negotiate with reality. You stayed silent to keep the peace.

Taking ownership doesn’t mean shaming yourself. Instead, it means reclaiming your power. If you can admit, “I co-signed this,” you can also say, “I can choose differently now.”

Like any serious leader, you must be willing to call a post-mortem on what went wrong—not to blame, but to learn. Otherwise, you risk rebuilding the same relationship with a different face and a more expensive wedding.

Leaving Without Self-Destructing

Once you realize it may be time to leave, panic often hits. You see spreadsheets—assets, alimony, PR, custody, brand damage. That fear is real; however, decisions made purely from fear are usually expensive.

Instead of an impulsive exit or a years-long limbo, you need a strategic transition. That means:

  • Getting emotionally regulated before you have major conversations.

  • Consulting legal and financial professionals early, not after the explosion.

  • Creating a support system that is discreet, emotionally mature, and not secretly rooting for chaos.

  • Choosing language with your partner and children that is honest, yet not weaponized.

Ultimately, leaving well is an act of leadership. You are not only ending a chapter; you are modeling how to close a door without burning the entire house down.

The Trapeze Moment: You Can’t Reach for the Next Bar While Clutching the Old One

Picture a trapeze artist mid-air. One bar is behind, one is ahead. There’s a split second where they’re holding both and then that moment when they must release the old bar to fully grab the new one.

Your life after a misaligned relationship works the same way. There’s always a season where you’re tempted to cling to what’s familiar, even though you know it’s over. That’s the most dangerous point, because nostalgia, guilt, and fear are loudest there.

However, no breakthrough happens while you’re clinging to two identities: the one who tolerates misalignment and the one who lives in full integrity. At some point, your future requires a clean yes to yourself and a hard no to the life that’s quietly killing you.

Why Working With a High-Level Coach Changes the Whole Equation

Friends, therapists, and mentors can help. Yet when complex relationships intersect with money, brand, and public visibility, you need guidance that understands all of that terrain.

As an MCC and behavioral neuroscience expert, I don’t just ask, “Are you happy?” I ask:

  • “What patterns is your nervous system addicted to?”

  • “How is this relationship reinforcing your earliest attachment wounds?”

  • “What would a life designed around emotional safety, purpose, and legacy actually look like for you?”

Consequently, our work isn’t simply about leaving or staying. It’s about building a version of you who will never again negotiate your sanity for a photo op, a title, or a familiar hell. Whether you stay and transform the relationship, or leave and redesign your life, the non-negotiable is this: you choose from clarity, not collapse.

When You’re Ready to Stop Performing and Start Living

If you’ve read this far, something in you already knows the truth. Maybe you’re not ready to move yet. Maybe you’re quietly gathering data, doing the math, testing your courage. That’s okay. Awareness always comes before action.

What you cannot afford to do is go back to sleep. You can’t unknow what your body and spirit have already told you.

When you’re ready, reach out to someone who can walk with you through this as strategically as you would handle a major deal—because that’s exactly what it is. Your next season of love, leadership, and impact is the most important transaction of your life.

You’ve spent years building a name, a career, and a platform. Now it’s time to build a relationship life that actually matches your potential.

Not just for the world watching you—but for the person you have to live with when the cameras are off: you.

Dr. D standing in a street scene with arm folded and open collar shirt. Dr. D Ivan Young, MCC, NBC-HWC

Dr. D. Ivan Young is a dual-credentialed ICF and EMCC Master Certified Coach and Professional Fellow at the Institute of Coaching, an affiliate of Harvard Medical School. He integrates behavioral neuroscience, emotional intelligence, and systems thinking to support complex relationship, career, and leadership decisions for high-net-worth individuals, licensed professionals, and senior leaders. Author of the original bestseller, Break Up, Don’t Break Down , with the newly released Break Up – Don’t Break Down Expanded Edition

How High-Net-Worth Individuals Can Protect Their Success and Well-Being

Protect Your Success and Well-Being – The How for High-Net-Worth Individuals

You’ve conquered the business world, built an empire, and secured financial freedom. To the outside world, you have it all—wealth, influence, and power. But behind closed doors, success comes at a cost. The relentless pressure, the isolation, the fear of losing it all—these silent struggles can make even the most accomplished individuals feel trapped.What if your worst fears became reality? What if all you’ve built—your business, your reputation, your personal life—started unraveling before your eyes? You’re not alone in this fear, but there is a way to regain control, rediscover balance, and create lasting fulfillment.

The Unspoken Struggles of High Achievers

1. Success Feels Lonely—Even at the Top

As you climb higher, your world becomes smaller. The people you once trusted may no longer relate to your experiences, and it’s difficult to know who truly has your best interests at heart. Are your relationships authentic, or are people drawn to your wealth and status? Isolation isn’t just an emotional burden—it affects decision-making, mental well-being, and overall life satisfaction. Dr. D Ivan Young discusses how success can lead to self-sabotage and loneliness.

Concierge coaching provides a private space where you can openly explore your fears, develop meaningful connections, and build a support system that genuinely serves you.

2. The Fear of Losing Everything

When you’ve worked tirelessly to build wealth, the thought of losing it is terrifying. Economic downturns, legal battles, market shifts—any one of these can threaten your financial empire. Many high achievers find themselves consumed by anxiety, always waiting for the next disaster. Living in constant fear strips away the joy of success. Instead of enjoying what you’ve built, you feel like you’re in survival mode. Coaching helps you develop emotional resilience, manage stress, and shift from a mindset of fear to one of confidence and control.

3. Overwhelming Expectations and Unrelenting Pressure

You’re the one people depend on—for leadership, for financial stability, for guidance. But what happens when the weight of those expectations becomes too much? Burnout, decision fatigue, and chronic stress are the hidden struggles of high achievers. When your identity is tied to your performance, any setback can feel like a personal failure. Dr. Young’s article on overcoming emotional blocks explores how high achievers can break free from these mental traps.

Concierge coaching provides tailored strategies to help you set boundaries, manage stress, and perform at your best—without sacrificing your well-being.

4. Struggling to Maintain Meaningful Relationships

Many high-net-worth individuals face fractured relationships—whether it’s a marriage strained by work demands, distant children, or friendships that feel transactional. When everyone expects something from you, a genuine connection can feel impossible. Success should never come at the expense of love, family, or deep personal relationships. Through targeted coaching, you can rebuild trust, enhance communication, and strengthen your closest relationships without compromising your ambitions.

5. The Existential Question: What’s Next?

After reaching financial success, many high achievers find themselves asking, “Is this all there is?” The drive that fueled your rise to the top no longer feels as fulfilling, and the search for deeper meaning begins. Concierge coaching helps you redefine success—beyond just wealth and status—so you can create a life that aligns with your passions, values, and legacy.

Why You Need Elite-Level Coaching

Protect Your Success and Well-Being – The How for High-Net-Worth Individuals

“Traditional coaching often fails to meet the needs of individuals facing complex challenges like yours. The stakes are high, and you deserve more than just one-size-fits-all solutions. What you really need is an expert advisor who deeply understands your unique circumstances and can provide tailored strategies that drive real results. Stop settling for generic self-help tactics and start transforming your journey with personalized guidance that works for you!”

How Concierge Coaching Helps You Take Back Control

1. A Confidential Space to Think Clearly

No boardroom politics. No public scrutiny. Just a private, judgment-free space where you can process challenges, make high-stakes decisions, and explore solutions without fear of exposure.

2. Proven Strategies for Peak Performance and Emotional Mastery

You’ve mastered financial success—now it’s time to master your inner world. Advanced assessments, neuroscience-backed methods, and executive coaching techniques will help you optimize your mindset and leadership style.

3. A Trusted Advisor for Life’s Toughest Decisions

You don’t have to face challenges alone. With concierge coaching, you gain a strategic partner who helps you navigate the complexities of business, relationships, and personal development.

4. Work-Life Integration, Not Just Work-Life Balance

True fulfillment comes from integrating your professional and personal life in a way that enhances both. Coaching helps you create a sustainable approach to success—one where you don’t have to choose between career and happiness.

5. Crafting a Meaningful Legacy

Beyond wealth, what will you leave behind? Concierge coaching helps you define a purpose-driven legacy that extends far beyond financial success.

Are You Ready to Take Control of Your Success?

If these fears and challenges resonate with you, it’s time to take action. Success doesn’t have to be a lonely, high-stakes game. You deserve the same level of excellence in your personal life as you do in business.

Visit Dr. D Ivan Young’s Concierge Coaching Program to discover how personalized coaching can help you reclaim control, fulfillment, and clarity.

Your success should feel as good as it looks. It’s time to build the life you truly want.

How to Have a Healthy Romantic Relationship – Even with a Difficult Past

by Dr. D Ivan Young, ICF Master Certified Coach

What does a healthy romantic relationship look like?

The work required to form and maintain a healthy romantic relationship is not as easy – or quick –- as movies and TV shows make it seem.

Have you tried putting two random things together? You’re two people, with different experiences, beliefs, backgrounds, and personalities. You can’t expect cohesion right away. 

It’s crucial to establish a solid foundation if you want a healthy, lasting relationship. 

A healthy romantic relationship revolves around mutual respect, tolerance, and acceptance. You must commit to improving yourself. Then you can learn to work through challenges together. 

Why Should You Take My Advice?

Over the last two decades, I’ve coached many couples in navigating their individual and collective issues. 

There’s one constant I’ve noticed. Those who find success in love are the ones who are willing to humble themselves and put their egos aside. They invest their time and resources into the relationship.

Mature love is a difficult choice that must be made repeatedly, moment by moment, day in and day out.

As a Master Certified Coach and relationship expert, I’ve seen relationships built on infatuation and physical attraction fall apart as quickly as they begin. Physical attraction is essential for relationship health. But much more is required to form a healthy romantic relationship that lasts. 

The definition of a healthy romantic relationship might vary slightly. But there are characteristics and skills that can help you measure your relationship competence. 

But first, why are healthy romantic relationships, and relationships in general, so important?

The Importance of Healthy Relationships

It’s a fact that social relationships impact our physical and mental well-being.

Healthy social ties have been linked to more positive health behaviors. They also contribute to improved psychological well-being and better physical health¹. A lot of factors influence health and well-being, but relationships are particularly essential. 

Healthy romantic relationship functioning has been linked to:

  • Healthier decision-making for both men and women².
  • Greater relationship satisfaction and a higher sense of security. 
  • Emotional/mental well-being – including reduced depression and anxiety symptoms.
  • Good physical health and longevity³. 

If you’re married or in a long-term committed partnership, relationship problems can undermine your health. 

Poor relationship health can manifest in many different ways.  

  • Stress that leads to physiological responses that grind down your body’s systems. Examples are high blood pressure and increased heart rate. 
  • Attempts to reduce stress through unhealthy coping habits, like drinking or smoking.
  • Depression or anxiety from consistent conflict in the relationship.

The key is to form healthy romantic relationships and friendships. You shouldn’t avoid relationships completely. 

So what’s the definition of a healthy romantic relationship?

Skills for a Healthy Romantic Relationship

You probably have an idea of what a healthy romantic relationship includes. 

There are certain characteristics that stand out such as:

  • Trust.
  • Communication. 
  • Support and respect. 

A healthy romantic relationship can slightly differ from one couple to the next. However, these skills and traits are undeniably important for a healthy, happy relationship. 

Let’s break these down. 

Trust in a Healthy Romantic Relationship

You get to decide what your boundaries are, individually and collectively. This is why trust might look different for everyone.

Building a solid foundation with trust requires discussing your needs, values, and expectations. 

Trust is often developed over time. It can be difficult to trust someone, especially if you’ve had damaging experiences.

It’s well-known that unhealthy relationships throughout childhood and adolescence, especially with primary caregivers, can impact one’s ability to form and maintain healthy relationships⁴. 

But it’s something you can work on if this is the case for you. 

Some ways to develop trust in your relationship include:

  • Doing what you say you’ll do. 
  • Being there for each other, especially during challenging times. 
  • Resolving any trust and attachment issues by getting help from a qualified professional. 
  • Keeping the lines of communication open.
  • Maintaining your commitments regardless of your feelings at a given moment in time.

Respectful communication is one of the most essential requirements for a healthy relationship. 

Stable Communication 

Communication in a healthy romantic relationship will differ depending on your communication styles. 

However, there are the usual signs that communication between you and your partner is healthy. 

Effective communication usually involves:

  • Listening to what the other person is saying and trying to understand. 
  • Avoiding derogatory or harmful language or gestures.
  • Trying to work toward the best solution for both parties, instead of focusing on who’s right or wrong. 
  • Expressing forgiveness and not holding grudges. 
  • Practicing empathy and compassion toward your partner, during and after a disagreement.
  • Acknowledging your role in the disagreement. 

And when you can’t agree, make it your mission to respect and honor your partner’s perspective.

If verbal or physical abuse are involved, you should seek help. These are not characteristics of a healthy relationship.

Respectful communication is one way of supporting your partner and strengthening your relationship.

Support and Respect in a Healthy Romantic Relationship

Trust and communication are two building blocks of support and mutual respect.

You’re setting your relationship up for success if: 

  • You’re willing to listen to each other. 
  • You show empathy even when you disagree.
  • You show up for each other.

You can show up in your relationship in many different ways to support and respect your partner. 

Maybe you take on extra chores when your partner is going through a difficult time. 

Or you check in with each other weekly about your goals, needs, and what you want to improve. 

It can look like being intentional about spending quality time together every day. 

Maintaining a healthy romantic relationship is hard work. It’s crucial to be honest with each other and work together if you want it to last. And you have to be clear on what you want before you expect someone else to give it to you. 

Setting Healthy Romantic Relationship Expectations

What happens when your checked boxes result in empty containers?

If your laundry list of expectations is superficial, this is likely to happen.

So if one of your goals is to establish a healthy romantic relationship, there are a few things you should get clear on beforehand.

  • Values and beliefs. 
  • Personal and professional aspirations. 
  • Your ideal lifestyle. 
  • Financial expectations and contributions to the relationship.

While these can change over time, they’re essential to keep in mind as you search for a life partner. Knowing your non-negotiables and goals can save you a lot of time, energy, and pain.  

How I Can Help You Solidify Your Relationships as an ICF Master Certified Coach

As I work with clients in my practice, we explore five key areas to ensure you’re prepared to be a productive partner. 

  1. Personality type.
  2. Family history.
  3. Core and cultural values.
  4. Validation systems.
  5. Psychological triggers.

But this is only the beginning. 

I usually discuss these details with my clients within the first 90 to 120 days of working together.

There are two reasons for this. 

  1. How can you address something you aren’t aware of?
  2. When we address these details, I can make sure my opinions and preferences don’t lead the way. 

Not addressing these things would be like going to the gym and only working on the parts of your body that you like. You must perfect things that you do well, but you also have to identify what needs your attention. 

So if you’re struggling to form healthy relationships, book a call with me. Also reach out if you’re in a relationship and you need help strengthening your connection.

There’s no amount of dinners or romantic getaways that can solve your problems for you. 

If you and your partner commit to the work, you have the potential for a healthy romantic relationship that withstands life’s many challenges. 

Bio – Dr. D Ivan Young is an expert on human behavior and relationships. He’s a Master Credentialed expert on personality type, an ICF credentialed Master Certified Coach, a Certified Professional Diversity Coach, and a National Board Certified Health and Wellness Coach. Dr. Young is also a member of the prestigious Forbes Coaches Council.   

  1. https://journals.sagepub.com/doi/epdf/10.1177/0022146510383501?src=getftr 
  1. https://www.researchgate.net/profile/Shaina-Kumar/publication/313406102_Romantic_competence_healthy_relationship_functioning_and_well-being_in_emerging_adults_Romantic_competence/links/5c1bb500299bf12be38d2209/Romantic-competence-healthy-relationship-functioning-and-well-being-in-emerging-adults-Romantic-competence.pdf 
  1. https://www.researchgate.net/profile/Kurt-Hahlweg/publication/46123953_Assisting_couples_to_develop_healthy_relationships_Effects_of_couples_relationship_education_on_cortisol/links/6050aa58299bf1736748ea2b/Assisting-couples-to-develop-healthy-relationships-Effects-of-couples-relationship-education-on-cortisol.pdf 
  1. https://www.sciencedirect.com/science/article/pii/S014521342100301X 

Relationship and Marriage Finances: How to Create the Best Plan For You

Now that you’ve found the right person for you, you’re thinking about all the things you need to build a life together. 

At this point, you think you know almost everything about each other. But do you really? Most individuals and couples avoid the topic of money. It can be uncomfortable to talk about. And it’s even more uncomfortable making a decision that works for both of you. 

Like most people, you want to avoid conversations that might be stressful until you need to have them. You might be afraid to talk to your partner about critical issues. Issues like relationship or marriage finances, where you’ll live, and parenting.

If that’s the case, it’s essential to move past your fears by exploring why you’re afraid.  

You’ll either find that your fear is unjustified, or you’ll need to work it out. Either way, how you resolve – or don’t resolve – these conflicts will help you determine what to do. You’ll know if your relationship is ready for the next level or if it has potential. Then you can make an informed decision about your relationship.

Relationships and finances, in particular, are two daunting responsibilities in their own right. But dealing with finances when married or cohabiting is a feat that can be catastrophic for the closest couples. 

Pre-marital/pre-cohabitation coaching is an effective option for couples who desire actionable advice. Even if you’re great with communication, relationship coaching can provide new insights. From small issues to critical matters. 

As a Master Certified Coach, I frequently help couples and individuals identify core values and blind spots. It’s unwise to leave the success of your relationship up to chance. 

No one plans to fail – but many fail to plan. 

Why Pre-marriage / Pre-cohabitation Counseling Helps With Finances (And in General)

Different core values, uneven incomes, and inherited beliefs surrounding money can create discord. And even the strongest relationships can be ended when topics like money aren’t discussed until after they become an issue.

One survey revealed that the divorce rate for couples who received counseling before marriage was 31% lower than that of couples without counseling¹. 

This isn’t surprising. Couples willing to get assistance with solving their issues are more likely to have lasting relationships. Relationship coaching can help you with communication and conflict resolution. And it may unearth some areas where your relationship can improve².  

Suddenly sharing everything you’ve previously kept to yourself is new territory. And since you’re starting a new life with your partner, you may not know what to expect. Managing relationship or marriage finances is usually challenging. More so than managing your own money.

It makes a significant difference when you discuss expectations and devise a plan to resolve financial disagreements before they happen. 

Why Is It Important to Discuss Marriage and Finances?

Even if finances aren’t an issue for you now, a lot can change once you decide to share your life – and resources – with another person. This is especially true if you’re a High Net Worth Individual or have a high income. Let’s go over an example:

  • Joint vs. separate finances: you’ll find that this usually isn’t black and white. 

Will you keep your finances completely separate? This could lead to resentment if one person is willing to contribute more money. Especially if it’s for household or practical expenses. 

Or maybe you want to share everything. You’ll run into issues if one of you is a big spender, while the other is an enthusiastic saver. 

If you want to have a joint account and separate accounts – you still might have a difficult time. You’ll have to figure out which expenses to split. Maybe one of you only needs a cheap $20 haircut every month – while the other spends $100 with every trip to the hairstylist. 

Regardless of how you choose to approach your partnership or marriage finances, you won’t be able to avoid the conversation. And you shouldn’t try to. 

There’s no right answer for how to handle your finances when married or cohabiting. Each couple’s situation is unique. This is why financial coaching can be a game-changer for your relationship. 

What Should You Discuss When It Comes to Relationship/Marriage Finances?

There are several factors to consider when you discuss how to approach your finances in marriage or committed relationships.

  1. Do your spending habits differ from your partner’s habits?

If you spend money like it’s a neverending resource – while your partner holds onto money like it might disappear – you’ll experience a lot of frustration. 

You’re likely to have disagreements about which purchases are essential. You might become frustrated if your partner spends less money on you than you spend on them. You also might become resentful if you have to repeatedly loan your partner money due to their careless or reckless spending habits. 

Knowing the truth about your and your partner’s spending habits is crucial for #2.

  1. How much control are you willing to give over your resources? 

If you trust your partner with their money and yours, you may decide to combine your finances. But this can often lead to trouble.

Will there be a power imbalance if your partner earns significantly more than you? A huge difference in income can lead to unequal authority in your marriage. It’s up to you and your partner to determine whether you’ll have an equal say over your finances – even if your income is uneven. 

And once again, if your spending habits are completely different, sharing finances might be an issue. 

Imagine you or your significant other wants to buy the same outfit in ten different colors. You better ensure your partner is ok with that. Especially if you’re using their resources to fund your lifestyle. 

  1. How much access will you have to inherited resources? 

If you inherit an impressive estate from your aunt Joan, will your partner share in that? 

Situations like this won’t occur often, but it’s still important to be prepared. Figure out if you’re willing to share and how much. Your partner might assume they’re entitled to half. You might not share that perspective. 

This list doesn’t cover everything you should consider when discussing marriage finances or relationship finances. But it’s a solid place to start. 

Should You Seek Cohabitation or Marriage Financial Coaching?

If you and your partner want to tackle potential financial issues before they arise, signing up for couples coaching is an intelligent choice. Ideally, you’ll want to discuss other crucial topics as well. But shared resources and finances when married or in a relationship can be especially tricky to figure out. 

Financial arguments are one of the leading causes of breakups, but you can get in front of this issue³. Whether you choose to share everything or sign a prenup to keep everything separate, you and your partner can avoid misunderstandings by discussing finances. 

I’ve helped many clients work through financial concerns by identifying and addressing core values and exploring inherited beliefs and spending habits. I also help you determine if or when it’s appropriate to share resources. 

It’s critical to confront sensitive subjects that could lead to disharmony. Book a call with me to face your financial concerns and avoid unnecessary disagreements in your relationship.

drdivanyoung.com/contact-dr-d-ivan-young/

Dr. D Ivan Young is an expert on human behavior and relationships. He’s a Master Credentialed expert on personality type, an ICF Credentialed Master Certified Coach Certified Professional Diversity Coach, and a National Board Certified Health and Wellness Coach. Dr. Young is also a member of the prestigious Forbes Coaches Council.

  1. https://phys.org/news/2006-06-premarital-divorce.html 
  2. https://chhs.source.colostate.edu/is-premarital-counseling-worth-it/ 
  3. https://www.thejimenezlawfirm.com/how-finances-affect-divorce-rates-in-america/#:~:text=Money%20arguments%20are%20the%20second,all%20marriages%20start%20in%20debt



Saying “I Do” to Marriage Counseling

What’s wrong with us that we’re constantly in need of help all the time? Marriage Counseling

It turns out that’s the wrong way to approach the question. There’s nothing wrong with you per se, but you might be engaged in habits that are mildly (or significantly) self-destructive or harmful to others who are in a relationship with you. These don’t even have to be particularly pronounced, which often makes them quite hard to pin down without some intervention, often marriage counseling is the key to discovery and healing.

Large-scale conferences like self-help seminars tend to take a lot of flak for allegedly being devoid of any real methods of self-improvement, instead opting for empty idealism. But, it really comes down to a matter of perspective. The same thing is true of marriage counseling or couples’ therapy for non-married partners. The idea is the see things from a different viewpoint.

But be cautious of self-help seminars with quick fixes and programs that promise results. Be diligent and thorough when choosing a marriage counselor, after all, they are protecting a very important asset, your relationship.

It is important to keep the following points in mind when seeking marriage counseling:

Find a qualified, experienced therapist

There are a plethora of therapists who offer marriage counseling, but not all of them are experts in counseling couples. Many counselors will offer marriage counseling simply because they’ve handled general therapy before and think it’s an easy transition. It might be, but that doesn’t mean they’re offering their clients the best possible treatment. If you think you need marriage counseling and are looking for the right therapist to lead your sessions, ask your potential therapist if they’ve obtained the proper training in cooperative communication and conflict resolution. If not, they might not be offering the most beneficial treatment for your relationship.

Consider Pre-Wedding Marriage Counseling

As you’re locking in plans for the dinner, the dessert, the DJ and the decor, it might be a good idea to also devote some time to counseling. Pre-wedding therapy tends to shed light on all the jitters, hesitations and reservations, so these concerns can be openly discussed prior to being married. It’s a big misconception that couples’ therapy is only for those whose relationships are on the rocks and taking time to meet before the wedding can often prevent those kinds of problems in the future.

Marriage Counseling can be a Gateway to PTSD Treatment

As the nation copes with skyrocketing instances of Post-Traumatic Stress Disorder, especially in returning soldiers, this is one of the most important revelations about marriage counseling that’s surfaced.

There are many reasons why someone who is potentially afflicted with PTSD wouldn’t want to seek out help, and they’re all understandable. The stigma. The shock. The looks. But for married folks, PTSD can drive a wedge between the couple and marriage counseling can often be a great way to gain an entryway into the mind of your partner with PTSD.

Remember, your relationship does not need to be in trouble in order to seek marriage counseling. Improving communication between you and your partner will only make the relationship stronger and allow you to become closer. You have found the person you want to share your life with, now take the time to find the support team that can help you foster and grow your marriage.