In her book Till Death Do Us Part Dr. Bernard Poduska talks about family rules that can regulate our perceptions and behaviors in most areas of a person’s family life. These areas include how a person tends to manage money. I found this part of her book very interesting. I looked back at my own upbringing and life experiences and found this to be very true. There were areas I didn’t even realized had affected me from my childhood, that in turn really did. I am now married with children of my own and I find myself doing things that my parents did when it comes to money matters.

Family rules are passed down across three levels: explicit, implicit, and intuitive. Poduska (2000) states, “Explicit family rules are expressed verbally” (p.26). An example of this for me growing up was my parents always told us kids that it was important to live within our means. They also would say, “don’t buy something if you don’t have cash to pay for it.” Today, I feel strongly about the wise financial advice I learned at a young age from my parents . My husband and I don’t care about the “latest and greatest” phones, cars, or clothing styles. We know what is important to us. We feel if you get caught up in the fads it can cause a lot of financial struggles. Implicit rules are those taught through nonverbal communication. Poduska (2000) states, “Implicit family rules often have the greatest impact on our lives” (p.27). My mother led and taught us my example. She shopped sales and used coupons. It was through her example that I learned how far I could stretch a dollar. My husband is often amazed at my shopping abilities and how much I save our family. Intuitive rules are also unspoken, but these rules are based on family heritage. In our family we believe that no one should get left behind and if you borrow money from someone, you pay them back promptly. I haven’t been on this end as an adult, but as a teenager I have.

I have learned that ultimately, we are responsible for how successful we are in financial matters. You don’t have to be rich to have a good life. There are plenty of people who make great money, but are not financially smart with that money. If we learn to live within our means and not on credit, we will be just fine. My husband and I have taken those financial experiences we grew up with, and applied those we found helpful in our own marriage. The important thing is to discuss the topic of money before you get married and to make sure both people are on the same page.













