What is Financial Infidelity?

Financial infidelity occurs when one person in the marriage habitually lies to their partner about their spending habits, and it is done in such a way that it is threatening the health of the marital relationship. Sometimes the person has racked up hidden credit card debt; sometimes they have hidden away a bonus so they can secretly spend the unexpected windfall.

Financial Infidelity Destroys Trust in a Relationship

Financial infidelity deteriorates trust in a relationship; infidelity, sexual or otherwise, creating distance in the relationship and thus making it virtually impossible for the couple to be emotionally intimate. Couples that engage in financial infidelity are sabotaging their relationship and denying themselves the tremendous emotional benefits that marriage has to offer. Often times they do not believe they deserve love and care from their partner, and are unconsciously pushing that person away through self-defeating behaviors.

Depression and Shopping Make a Dangerous Cocktail

Couples who commit financial infidelity often do so out of feelings of low self-worth, as shopping can be a brief anesthetic from emotional pain. These individuals have difficulty controlling their impulses and often have significant shame, guilt, and depression regarding this behavior, since they often do not understand it themselves. Buying something new may make them euphoric for a short period of time. The fix is temporary, however, and this brief jolt of excitement is usually not worth it for them; they ultimately do not enjoy their new purchase and feel even worse for having lied about it.

Money Means Something Different for Everyone

Sometimes financial infidelity occurs for far less deep reasons- a couple may simply have different ideas regarding spending and what money represents. Take flowers, for example. Perhaps the wife really enjoys having fresh cut flowers in the home as it brightens things up and adds life to the home. The husband might feel this is an extravagant, wasteful expense and that the money should go into the retirement or college fund, where it would be useful. To avoid conflict, the wife may say, “Mrs. So-and-So cut these flowers for me from her garden, isn’t that sweet?” or “they were only $2 at Trader Joe’s, what a bargain!”

Money Secrets are Disrespectful to Your Spouse

Unfortunately, this behavior creates more distance, less intimacy, and ultimately, is emotionally disrespectful. Friction and conflict are sometimes needed to become emotionally closer and it can take some emotional turbulence in the short-term to work through each other’s needs and expectations, financial or otherwise. It shows disrespect for the other partner’s views, feelings, and wants to not let this process happen.

Jennifer De Francisco, MPA, MSW, LCSW is a marriage counselor in the Newport Beach, Irvine, and Orange County area. She specializes in relationships and depression.

Please call her at (949) 251-8797 for an appointment.

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Chris B.5.0
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Kids are always hard and as a parent it's not always easy to see objectively what is really going on. Jennifer helped me talk through challenges/issues with my oldest son that were running through my head. In the end she provided me a solid perspective to build on and because of that I have been able to manage the situation much better. Easy conversation and very helpful.
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Jennifer is such a wonderful and genuine therapist. She is extremely kind and understanding. She comprehends couple and mental health problems precisely. I would definitely recommend her to anyone that is seeking help.
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Jennifer is such a wonderful and genuine therapist. She is extremely kind and understanding. She comprehends couple and mental health problems precisely. I would definitely recommend her to anyone that is seeking help.
Timothy 5.0
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I have been seeing Jennifer De Francisco for about a year, and she has helped me so much with the unhappiness I thought would never go away. Jennifer’s compassion and empathy made me feel safe enough to open up and talk about the uncomfortable feelings I didn’t even know were causing my sadness. With Jennifer’s help, I am now aware of my negative thoughts. Instead of avoiding them, I can work through them. She has helped change my life.
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It was tough when we first started with Jennifer , but through difficult conversations and understanding some of the causes of how closed off we were to each other, we worked through it and are in a good place. The idea that we could break up is the furthest thing from my mind now, and going in to work on our relationship was the best thing to do. One of the things that really helped was that I felt Jennifer really cared that our relationship worked and that we improved things between us. I think that is rare, and always helped me not give up hope.
George S.5.0
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I know people hate to hear this, but relationships take work, especially with kids and stress. I would suggest relationship counseling for any married couple, even if it were just monthly or when things get tough. We continue to see Jennifer after our initial problem because it keeps us on track. Best of luck to all couples looking for help- Jennifer is a wonderful resource.