From an early age, we are socialized to think about money in different ways based on our gendered experiences. These learned behaviors influence how we earn, save, spend, and even experience financial stress.

Money can be one of the most significant sources of stress in a romantic relationship, yet it’s often a subject couples avoid discussing. Whether it’s due to fear of judgment, shame, or discomfort, many couples struggle to have open conversations about finances.

While the holidays bring joy and warmth, for many, they also come with a hefty price tag. According to recent reports, 1 in 10 Americans experienced credit card debt due to holiday spending last year, with 46% of Americans lacking a debt payoff plan.

Popular media, financial advisors, and even well-meaning family members often frame financial decisions in terms of good versus bad, success versus failure. Personal finance is nuanced, especially when considering the powerful influence of culture on our beliefs and behaviors around money.