Instant Gratification and Money - Are you sure you “WANT IT NOW”?

Money! Money! Money! “It seems like all we do is argue about MONEY!”  Is this the case in your marriage?  If so, you’re not alone.  When considering the top subjects that couples argue about, money usually makes the top 5 list.  Why is this the case when we live in such a wealthy country?  It turns out, it is not about the money, but about what money represents to people.  A big stack of money in and of itself is just a stack of paper.  But, when you realize what that stack of paper has the power to do, now that’s a different story. 

Money is linked to so many different but powerful emotions.  To many, money may mean security. To others, it may represent freedom and enjoyment. For some, money is a symbol of status or power. Therefore, a lack of money or lack of control over money can create the opposite feelings of fear, punishment, bondage, stress, and powerlessness.  These different emotions and meanings of money is where the conflict and stress can occur.

As human beings, our bodies and minds are drawn toward pleasure. We tend to avoid painful or stressful situations. Many of us have used money as a way of providing pleasure and avoiding pain.    The desire to have a good feeling in the moment is incredibly powerful.  “I WANT IT NOW!”  Instant gratification is real and powerful. How many of us have ever bought something we knew we didn’t need or couldn’t afford, because it felt good in the moment? I can’t be the only one. However, it doesn’t take long to realize that in life, all things come at a price.  The question is whether we are seeking long term satisfaction or instant gratification.  You may be able to have it now, but at what expense? What are you willing to sacrifice?  What level of pain will you receive?  What is the long term and short term cost vs reward?  These are all the questions that mature individuals need to start asking themselves.  

Since we know that so many couples argue about money, then it is likely that they do not agree on money’s cost vs reward.   Financial expert, Dave Ramsey, has developed an entire business and process to help you put this argument to rest. He has given millions of families a new process and way of thinking to help them better understand money and how to use it.  Below is a list of Ramsey’s financial baby steps. Implementing these steps as a couple can greatly reduce the stress and money differences in your marriage.  Also, listen to our recent Rock Solid Radio show in which Merrill and special guest Zac Strobl tackle the subject of money and give excellent useful tools to bring peace to your marriage. Click the links below for more.

DAVE RAMSEY’S SEVEN BABY STEPS

1. Baby Step 1: Save $1,000 for Your Starter Emergency Fund.

2. Baby Step 2: Pay Off All Debt. (Except the House) Using the Debt Snowball.

3. Baby Step 3: Save 3–6 Months of Expenses in a Fully Funded Emergency Fund

4. Baby Step 4: Invest 15% of Your Income for Retirement

5. Baby Step 5: Save for Your Children’s College Education

6. Baby Step 6: Pay Off Your Home Early.

7. Baby Step 7: Build Wealth and Give.

 To WATCH the full episode of Rock Solid Radio click HERE

To LISTEN to the full episode of Rock Solid Radio click HERE

For more information on getting your finances under control check out: https://www.ramseysolutions.com/

What's the Hurry? The Importance of Delaying the Smartphone with our Children

If you’re over the age of 30, then you’re most likely in the same boat we are, adults who did not grow up with a smartphone in their pocket. As a matter of fact, as parents of five children ranging from ages 30 to 13, we didn’t even have this issue when our two oldest sons were growing up. Smart phones were just coming out and the peer pressure to have one was minimal. No one expected parents to put a $1000 mini computer into the hands of an immature, squirrely middle schooler. That would be a ridiculous notion. 

The Pressure to Give In
Our world today, however, looks at smartphones very differently. When we adopted our three youngest in 2015, we were shocked at the expectations they had when it came to smartphones. For many kids, phones equal love and popularity.  Now, parents feel this overwhelming pressure to hand their elementary age child a smartphone or smartwatch with an unlimited data plan, so that they can fit in and be accepted by their peers. Parents rationalize the need saying it’s to “get a hold of the child”, when in reality they are most likely around an adult or older teen who has one. If they were being completely honest, most parents generally give in to a smartphone at an early age for one or two reasons: 1. They don’t want their child to be ostracized or left out among their peers. 2. They don’t want to look like the neglectful parent who doesn’t love their child or can’t afford one.

Critical Stages of Development
At Rock Solid Families, we recommend parents push past that pressure of instant gratification and delay putting a smartphone into the hands of a child at least until the age of 14 or the 8th grade. There is so much data and so many experts who agree with us. Research tells us minimizing the use of screens and delaying the onset of smart devices helps our children mature and develop physically, emotionally, and logically. A child’s prefrontal cortex is in the critical stages of development in elementary and early teen years, and screens do nothing but stunt and rewire that healthy growth. Are you dealing with immature outbursts, an increased level of anxiety or depression, or disrespectful backtalk? Chances are screens are playing a part in what you’re seeing.

Wait Until 8th
So mom and dad, join the thousands of other parents who have decided that they will delay the smartphone until their child is emotionally ready to handle what’s coming across it. Tell your children NOW you are setting a healthy boundary as their parents.  If you’re interested in learning more, there is even a non-profit organization called waituntil8th.org that gives more resources and research to support this healthy boundary for our children.

If You Loved Me
When our three youngest were adopted and moved into our home, they were ages 11, 10 and 7. It was the hardest for the older two, because they already had many peers with smart phones in their pockets. They begged and pleaded for us to give them one. Our 10 yr old daughter even went around telling her classmates that her “new mommy” was going to buy her the latest iPhone 7. My heart broke at her distorted view of what real love looked like.  

Set the Boundaries Now
It took a while for our youngest three to realize that it is because we DO love them that we’re going to wait to give them a smartphone. It’s not really a discussion in our home anymore. The boundary has been set. The expectations have been laid out. As our youngest son enters the 8th grade this year, he knows that the possibility of having a phone begins, but it’s not a guarantee. It’s a privilege and freedom that we take very seriously. The decision to give him a smartphone will come NOT when the world tells us to, but when we feel as parents it’s the right time for him. 

Join us for week 2 of our Rock Solid Radio series I Want it Now as we unpack the instant gratification of phones and entertainment today. 

Click HERE to view this week’s podcast

Click HERE to listen to this week’s podcast

Blissful Ignorance - Story of Dale and Marie

When I first met with Dale and Marie for their premarital counseling a few years ago, they were like most young, engaged couples planning their wedding... so in love and so ready to get this over with. The premarital counseling that is, so they could get to the “good stuff”. During our premarital sessions, we spent time learning important communication and conflict resolution tools. We talked about taking the time to build a marriage on a firm foundation and the storms that may come after they say “ I do”. You know storms like infertility and infidelity. Things that can punch you in the gut and take your breath away like cancer or COVID.   Back then, neither one really thought they needed to worry about storms. After all, they were in love. That was until their marriage hit an iceberg at the end of last year and started to sink. 

Not Good
Both admit things had not been good for the past 18 months since their little one was born.  They would have petty fights that were never resolved - just brushed under the rug. Marie was distracted by her new role as a young new mom while Dale started to look elsewhere for some time and attention. That’s what Marie saw growing up. Conflict was never shown in her home, just minimized and ignored until her dad was caught in a 10 yr affair and her parents’ marriage ended after more than 25 years. So when Marie caught Dale in a 9 month affair just a couple years into their marriage, she braced for the worst. 

Painful Tears
It didn’t come easy nor without a lot of painful tears, but I’m thankful to report Dale and Marie are still together and stronger than they’ve ever been before. There was no quick fix for the pain, but both were patient and trusted God to do something new in their marriage. Dale and Marie now realize that their thinking before they got married was no more than “blissful ignorance”. Quickly after they said “I do”, they got distracted by the busyness of being new working parents and let their guard down. They got impatient with each other and stopped working on the most important relationships in their life - their relationship with Christ and their marriage. We’re no good to our kids when those two things are not our top priorities. 

Rebuilding Trust
After being confronted with the affair, Dale completely owned his unfaithfulness to Marie and took the necessary steps to regain her trust again. He was transparent and patient with her as different triggers brought her past back into the present. Dale and Marie have done the hard work to rebuild trust and they now have safeguards in their marriage to prioritize and protect it. When I asked Dale and Marie what has now made the biggest difference in their marriage, these are the safeguards they wanted to share:

Marriage Safeguards

1. Seek professional help BEFORE you turn to someone or something else. Don’t do what Dale did. Get help sooner. There is HOPE and HELP available. Don’t let money be the reason why you don’t seek help sooner. Rock Solid Families is a ministry first. They will never turn anyone away due to someone’s inability to pay. 

2. Involve God in your relationship and your healing. His word teaches us how to forgive and trust again. Worship and pray together. That has made an eternal difference for Dale and Marie.

3. Take a timeout when things get heated, but make sure conflict gets resolved. Dale and Marie now understand the importance of resolving conflict and NOT letting things get brushed under the rug. 

4. Go to bed together if at all possible. If you are always too busy or too tired to sleep in the same bed at the same time, that’s a red flag of a deeper issue.

5. Billy Graham Rule. Protect your marriage from any outside temptation. Don’t drive, dine or have personal private conversations with someone of the opposite sex. This safeguard would have saved Dale and Marie a lot of heartache. 

Stronger Than Ever
In our last session together, Dale and Marie were giddy sitting in my office holding hands talking about the new memories they were excited to create as a family. I am so proud of them and how hard they both worked to rebuild trust in their relationship. No more blissful ignorance for Dale and Marie. They now see the importance of having safeguards and intentionally protecting their marriage from the storms of life. They give God all the glory for where their marriage is today and thank Him for how he used one of the most painful experiences in their life to make them stronger than ever before.