UNLOCKED: The Secret To Managing Money As A Couple

12/23/24 • 35 min

💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
Money is one of the biggest reasons couples argue—and even break up. But what if it didn’t have to be that way? What if managing money could bring you closer?
In this episode of The Vault Unlocked, we’re diving into:
- The top money challenges couples face—and why so many feel financially incompatible
- How money date nights can transform your finances and your relationship
- A real-life story from a couple who went from clashing over money to finally feeling in control
- Simple steps to start your own money date night routine and tackle financial goals as a team
This is your guide to turning money from a source of stress into a powerful tool for connection. ❤️
💬 Have a topic you’d love us to unlock next? Email us at [email protected]
👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
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Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Recorded and Produced by Liverpool Podcast Studios
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Previous Episode

Spoiler: Cutting Out Coffees Won’t Make You Rich | The Vault Episode 43

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In Episode 43 of The Vault, we discuss this week’s controversial opinion, “Cutting out buying coffees won’t make you rich”, before diving into our listener dilemmas:
💸 “Paying double while building up sinking funds?”
💸 “Me and my husband had very different money upbringings”
✨EXCITING UPDATE ALERT ✨
We had a message from a listener who wrote a dilemma featured in Episode 26, “90k debt and my husband has run out of money”... they’ve made amazing progress! Not only have they paid off £16k in six months, but they’ve built an emergency fund, transformed their spending habits, and are now on track to clear the rest of their debt 🤩🥳🎉
If you’d like to share your money win, head to the community in the Financielle app or email [email protected]
Send your (totally anonymous) money dilemmas to [email protected] and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Sign up and combine your pensions here 🐝
Start investing without the hard work with Trading 212 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
Chapters:
00:00 Introduction
00:41 The Fizzy Drink Dilemma
04:44 Fashion and TV Appearances
06:11 Financial Tips and Lifestyle Choices
16:35 Dilemma: Managing Monthly and Annual Payments
21:29 Success Story: Overcoming Debt Together
31:05 Dilemma: Different Financial Upbringings
39:54 Conclusion and Final Thoughts

Next Episode

2025: The Year We Get Money Right | The Vault Episode 44

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In Episode 44 of The Vault, we discuss this week’s controversial opinion, “New Year's resolutions never work”, before diving into our listener dilemmas:

💸 "I'm so overwhelmed with my debt - how do I turn it around this year?”

💸 "I can never stick to my New Year goals.”

We celebrate some amazing wins from our community - we’re talking 🌟DEBT-FREE GIRLIES🌟, credit card breakups, weddings, emergency funds and holidays saved for, new jobs, house deposits and more! We couldn’t be prouder 🤩🥳🎉

If you’d like to share your money win, head to the community in the Financielle app or email [email protected]

Send your (totally anonymous) money dilemmas to [email protected] and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.

Start investing without the hard work with Trading 212 💸

When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.

Chapters:
00:00 Introduction
00:47 Reflecting on 2024: A Year in Review
01:36 Listener Stories and Financial Advice
04:56 Christmas Gifts and Budgeting Tips
22:44 New Year Resolutions and Healthy Habits
29:01 Water Bottle Addiction Confessions
29:20 New Year Resolutions: Yay or Nay?
29:58 The Budgeting Struggle
31:38 Investing Made Eas

The Vault with Financielle - UNLOCKED: The Secret To Managing Money As A Couple

Transcript

00:00:03.020

Welcome to the vault unlocked, where I take a deep dive into money topics that no one wants to talk about. And actually, in lots of households, no one wants to talk about this. No one wants to talk about money. Money can cause so many arguments, so many stresses. Sometimes it's like stress between you both and there’s arguing, if you're in a couple and you arguing about money, and sometimes it's private stresses where you want to raise something or mention something