One Flesh: A Biblical Perspective on Finances in Marriage
Scripture Verse:
“For this reason a man shall leave his father and mother and be joined to his wife, and the two shall become one flesh.” — Ephesians 5:31
Devotional:
Marriage is one of the most profound unions designed by God. It is not just about companionship but about two lives merging into one, a reflection of Christ’s relationship with His Church. This unity should extend to every area of the marriage—including finances in a Christian marriage.
Many Christian couples struggle with the question: Should we combine our finances or keep them separate? While the Bible does not explicitly command joint bank accounts, it does give us clear principles on unity, transparency, and trust. God’s design for marriage is not separation but oneness. When two people come together in covenant, there should be no division—not in love, not in purpose, and not in resources. This applies strongly to managing finances in a Christian marriage.
One of the biggest reasons couples keep finances separate is a lack of trust. Some may have past wounds from financial betrayal or fear losing control. Others may feel that maintaining individual accounts gives them security in case of uncertainty. But this mindset can subtly undermine the very foundation of marriage, especially when considering finances in a Christian marriage. If finances are being hidden, even unintentionally, it can create distance between spouses and open the door for conflict.
Transparency in finances is a reflection of transparency in the relationship. Just as a husband and wife should be open in communication, emotions, and struggles, they should also be open about money. Secrecy in any form creates barriers. A strong marriage is built on full disclosure, mutual respect, and shared goals.
Another key aspect of financial unity in marriage is stewardship. Everything we have ultimately belongs to God. As married couples, we are called to be good stewards of His provision, ensuring that our financial decisions reflect wisdom, generosity, and faith. It is essential to budget together, plan for the future, and align financial choices with God’s will. This means not only being wise in spending but also prioritizing giving—whether to the church, missions, or those in need. For this, financial discussions should include prayers and guidelines pertinent to finances in a Christian marriage.
However, financial unity does not mean that every couple must manage money in the exact same way. In some cases, separate accounts may be used for business or organizational purposes. But even in these cases, both spouses should have full access and knowledge of their financial situation. The key is not just the structure but the heart behind it. If money is being separated to maintain independence rather than unity, it can reveal a deeper issue in the relationship.
Money is often one of the greatest sources of tension in marriage. Financial stress, differing spending habits, and even pride can lead to division. But just as God calls us to be one in spirit, He calls us to be one in the practical aspects of life. Couples who work together on their finances build a stronger foundation for their marriage. They learn to trust each other, support one another in difficult seasons, and ultimately rely on God’s provision.
At its core, financial unity is about faith. Faith that God will provide. Faith that He will bless wise stewardship. Faith that transparency and trust will strengthen a marriage rather than weaken it. When couples align their financial practices with biblical principles, they not only grow closer to each other but also deepen their dependence on the Lord, which is essential for finances in a Christian marriage.
Application:
- Evaluate your financial unity: Are you and your spouse fully open about money, or are there areas where secrecy has crept in?
- Have a financial conversation: Set aside time to discuss your financial goals, concerns, and ways to manage your money together in a way that honors God.
- Practice generosity: Finances should not just be about personal security but also about giving. Look for opportunities to bless others as a couple.
- Pray together about money: Ask God for wisdom and provision, trusting that He will meet all your needs.
Prayer:
Heavenly Father, thank You for the gift of marriage and for the blessings You provide. Help us to honor You in our finances, making wise decisions and trusting You as our provider. Remove any spirit of fear, secrecy, or division in this area of our lives. Strengthen our marriage so that we may be fully united in every way. Teach us to be good stewards of what You have given us and to always keep You at the center of our financial decisions. In Jesus’ name, Amen.
