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A Family Philosophy

Three Financial Frameworks

There are three different financial frameworks based on the nature of the relationship. The key is clarity, responsibility, and unity where commitment exists.

Framework One

Marriage — The Legacy Covenant

Marriage is a covenant and a partnership. The focus shifts from “mine” and “yours” to “ours.” Income becomes Legacy Money — there is no “his money” and “her money,” only resources serving agreed-upon priorities. Separate accounts are fine for budgeting, as long as both view the money as serving shared goals rather than competing interests.

Priority Order

  1. 01Tithes & giving
  2. 02Bills & household expenses
  3. 03Insurance & protection
  4. 04Debt elimination
  5. 05Investments
  6. 06Savings & emergency funds
  7. 07Helping others
  8. 08Personal spending allowances

“The goal is not just surviving month to month, but building a legacy that can bless our family and others.”

When both spouses operate as a team, debt shrinks, savings grow, emergencies don’t become crises, and there’s enough left over to bless others. Progress accelerates because resources, goals, and sacrifices are aligned.

Framework Two

Single Adults

Single adults are responsible for the consequences of their own decisions.

  • ·Pay your own bills.
  • ·Handle your own debts.
  • ·Manage your own responsibilities.

Any help received from others is a blessing, not an entitlement. Gratitude should replace expectation.

Framework Three

Arrangements & Situationships

These operate more like negotiated agreements. Transparency prevents resentment.

  • ·Expectations should be discussed upfront.
  • ·Contributions should be clearly defined.
  • ·Neither party should assume traditional marital benefits without marital commitment.

Just don’t confuse an arrangement with a marriage.

On the “sole provider” arrangement

In one common arrangement, the main provider takes care of everything outside of the upkeep of the house, the children, and meals. In current times this tends to be unhealthy because it almost always ends in resentment — which suggests it is probably not God’s will for a marriage, since it’s difficult to operate together as a team and it backfires down the line. Back in the day it worked only because women were limited in what they were permitted to do in the marketplace outside the home; that season of oppression was not God’s will for us either.

A major problem in marriage is that many couples start with the situationship narrative because of programming. When they receive a revelation of covenant and God’s will for the family, they expect it to morph into the Legacy Covenant model. It can happen — but a religious spirit and entitlement often make that transition difficult.

We believe the covenant marriage format — Legacy Money serving shared goals — is the way for our family.