The Financial Fitness Test for Married Couples: A guided 100-point financial check-up — for couples who want clarity, alignment, and a shared direction in managing money together.
A simple step-by-step financial assessment designed to help married couples clearly understand where they are today, so they can build better decisions, and more aligned financial priorities.
Over the years of marriage and learning how to handle finances together, we’ve often heard questions like:
“Are we really on the same page when it comes to money?”
“Why does it feel like we see finances so differently?”
“Where are we actually right now financially as a couple?”
“How do we even begin talking about money properly?”
...Along with things like:
“We work hard, but we’re not sure where we really stand financially.”
“Money conversations often feel unclear or uncomfortable.”
“We’re not sure if what we’re doing is right or just what we’ve always done.”
“Sometimes it feels like we’re managing money separately, not together.”
And we get it.
On the surface, it feels like the answer is just earning more, budgeting better, or trying to be more disciplined.
But what if what couples need first is simply clearer understanding?
If you’re a married couple who has already started trying to manage your finances—but still feel unsure, inconsistent, or not fully aligned — and you’re ready to take an honest look at where you are financially together…
You are in the right place.
See your current financial situation more clearly as a couple
Understand how you both relate to money and financial decisions
Start having more intentional and open conversations about finances
Gain a shared starting point for your financial journey together
Enter your bullet points here..
But first, a kind reminder: this is not about fixing everything right away, earning more, or getting everything “right” financially.
It is about understanding where you are today, honestly and clearly as a couple. Because clarity, not pressure, is what helps couples move forward together.
The big question is…
The biggest challenge most couples face when it comes to financial clarity is that they approach it the usual way.
You might be using spreadsheets, having occasional money talks when needed, or trying different budgeting methods you’ve seen online.
…and that’s completely understandable.
But when things feel inconsistent or unclear, it can slowly feel like you’re the problem.
…but that’s not the case.
If you want clarity in your financial life as a couple, it starts with learning to see your situation together—clearly and honestly. So if you want a more grounded way to understand your finances as one team, we have something for you:
It’s a simple framework we call
“The Financial Fitness Test.” It’s just 3 steps:
Step 1: Honest Awareness
You take a clear look at your current financial situation as a couple without assumptions.
Step 2: Shared Understanding
You begin seeing your income, debt, savings, protection, and investments as one shared picture.
Step 3: Aligned Direction
You identify your starting point together so you can make more intentional decisions moving forward.
The usual path couples take to gain financial clarity often involves:
Learning through trial and error for months or years
Trying different budgeting systems over time
Seeking multiple tools or advice without a clear starting point
But what if you could begin with a simple guided process that helps you clearly see where you are — together —so you can move forward with more understanding, starting now?
Maricel and I recently completed a nine-week financial management course for couples through Dave Ramsey’s Financial Peace University. After more than 30 years of marriage, we discovered not only some of the financial mistakes we had made along the way, but also many important principles we simply didn’t know we should have been applying.
The experience inspired us to create a simple diagnostic tool that has become our own roadmap for catching up, covering lost ground, and moving forward with greater clarity and purpose.
We’re grateful that the process also highlighted the things we did get right. Those priorities and habits have helped lay foundations that, by God’s grace, will benefit not only us, but also our children and many others in the years ahead.
We invite you to journey with us. Because financial stewardship, like marriage itself, is a marathon—not a sprint. Let’s take the next step together, one faithful decision at a time.
So, if you want to…
See your current financial situation clearly as a couple
Understand how you both currently handle money and decisions
Recognize patterns in your financial habits together
Know where to start looking when it comes to your finances
Begin having more open and intentional money conversations
Create a shared understanding of your financial life
Move from uncertainty to clarity as a couple
AND have a simple guided way to do this together with clarity and ease…
Begin having more open and intentional money conversations
Create a shared understanding of your financial life
Move from uncertainty to clarity as a couple
AND have a simple guided way to do this together with clarity and ease…
THE FINANCIAL FITNESS TEST:
Training Couples for Endurance, Stewardship, and Freedom
If you’d like to go through
The Financial Fitness Test as a couple, you can get access below.
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We want to be clear about what this is.
The Financial Fitness Test is a guided reflection tool designed to help married couples look at their financial situation more clearly and have more intentional conversations about money together.
It is not a promise to fix everything or change your financial situation overnight.
It is a structured way to pause, take an honest look at where you are, and understand your finances as a couple in a clearer and more organized way.
We created it with the belief that sometimes, what couples need first is not more pressure or advice, but a clear starting point they can look at together.
So there are really only two ways to approach this:
You go through it together and gain a clearer understanding of your current financial situation as a couple.
Or you go through it and decide it’s not something that fits where you are right now.
Ut Repellat Officiis
Est Velit In Nisi
Either way, the goal is the same: clarity you can both look at honestly.
PS. In case you’re the type who skips to the end (no judgment — we do that too), here’s
the simple overview:
The Financial Fitness Test: Training Couples for Endurance, Stewardship, and Freedom is a guided 100-point financial reflection tool for married couples who want to clearly understand where they are financially and get aligned together on their money journey.
And it’s available for $4.99
Inside, you’ll go through a simple, guided process across key areas of your
finances as a couple:
Income & Cashflow Reflection
Debt & Financial Clarity
Emergency Fund Readiness
Protection & Insurance
Check Savings & Investment Direction
Each section is designed to help you see your financial situation more clearly together,not to overwhelm you or complicate things. If what you want right now is a clearer starting point as a couple, this is for you.
A guided 100-point financial check-up designed for couples
Reflect on your income, debt, savings, and investments together
Identify patterns in how you both handle money and decisions
Start having more intentional conversations about your finances
Walk away with a clear, shared starting point as a couple
Enter your bullet points here..
FREE for a limited time only
Revisit every few months to track progress and update your goals together
A shared space to explore where you are now and where you want to be together
A closing exercise to help you choose your 3 shared financial values
Enter your bullet points here..
All prices in USD
