06. Financial Planning as a Couple

Real Couples, Real Conversations 👫📖

No two couples are the same — and neither are their financial journeys. From homemakers to entrepreneurs, salaried employees to gig workers, the way couples handle money reflects their values, trust, and habits.

In this section, let’s learn through the lived experiences of real Indian couples — the challenges they faced and how they overcame them, together.

🔹Neha & Arjun – One Income, Two Voices

Neha is a full-time homemaker. Arjun, a government employee, used to handle all finances alone. But during the COVID-19 lockdown, when he fell ill, Neha didn’t know how to access their savings. It was a wake-up call.

Now, they hold monthly budget meetings. Neha manages the grocery budget and has her own savings account. Arjun says, “Involving her didn’t weaken my role — it strengthened our partnership.”

🔹 Ayesha & Dev – Equal Earners, Unequal Roles

Ayesha and Dev both work in IT, earning similar salaries. But Dev used to manage all investments. Ayesha realized she had no idea where their money was going. She took a personal finance course and started asking questions.

Now, they divide responsibilities — Ayesha handles investments and Dev tracks expenses. “We talk money with the same energy we talk vacations,” she laughs.

💬 Your Turn: Reflect & Discuss

• Do you feel equally involved in your household’s financial decisions?
• Is there a conversation you've been avoiding? What’s stopping you?
• What’s one change you can suggest to improve money teamwork in your relationship?

💡 Tip: Use these stories as conversation starters with your spouse. You don’t have to change everything — just begin talking.

🌸 Final Thought

Real couples make real mistakes. But they also grow together by learning, adjusting, and supporting each other. Start where you are — and grow forward together. 🌿