Everyone’s Struggling Financially. Most Couples Aren’t Talking. Let’s Fix That

If you’re feeling the pinch and arguing about money, you’re not alone. 

Research shows we’re seeing a global hit on living standards thanks to inflation as well as a fragile labour market. Source

Unfortunately, talking about money can be tricky. 

In Singapore, 70% of people face financial challenges with their partners, and around one in ten say they argue about money more than anything else. Source

In the UK, 15% of couples argue about paying for meals, holidays or home items. Unequal earnings are also a hot spot with 44% quarreling over a partner earning more but spending freely and 27% clashing about the other not paying their fair share. Source

Also, around 38–40% of people in relationships have secret accounts or hidden money/debt. Source

In the US, 45% of couples argue about money at least occasionally, with 25% saying money is their biggest fight. The most common tussles concern saving for retirement (54%) and not knowing how much they should save for retirement (55%). Source

If you find it hard to talk money, here are some tips.

1.    Schedule.  Every week/fortnight/month for 15–40 minutes. No phones, no calls, no interruptions.  
2.    Only one item on the agenda. Either bills, debt, saving, retirement etc. A tight focus prevents fights from spiraling.
3.    A budget is a tool; it’s not moral judgement. Agree on shared goals. Example: “reduce stress,” “save for X,” or “cap impulse spending to YYY.” 
4.    Be methodical. For example: list options, state preference, try the preferred option, review together. If it doesn’t work, change it! This prevents endless debating.
5.    Speak as friends. Not “You don’t care” but “Random spending makes me feel disrespected”

Money is difficult. If you want a confidential space to talk, we can check-in, assess what’s going on and work on a sensible path forward.

But before I go, a note about therapy sessions and costs. 

Thank you! You’ve supported me these ten years and more, and I really appreciate your trust. 

Costs are going up but I’m not putting up my prices. Everything stays as it is until December 1st, 2026 – and then we’ll see how it all stacks up.

Also, at the start of this year I offered a consistency discount where you receive 10% off your sixth session. I’m extending that until December 1st, 2026 too.

I believe mental health services should be accessible so will do my best to keep it as it is.