By Trent Hamm

For the first two years of our marriage, Sarah and I barely spoke to each other about money. We’d touch base with each other just enough to make sure the bills were paid, and that’s about all.

“Honey, did you drop off the rent check?” “I took care of the bills for this month.” “Do you have your wallet handy to cover the bill?”

Comments like these were the extent of our communication about money. We just trusted that the other person had their money under control and never really bothered to investigate it further.

We never had a plan for the future. We never had a joint checking account. We never had a cohesive idea of what our retirement might look like.

Is it really any surprise that our finances bottomed... More...