Matrimony & Money Podcast

Episode 9: Money Kills More Marriages Than Anything – Fix It This Week

Tue, 09 Jun 2026 06:00:00 -0400

Most couples fight about money. It creates stress, secrets, and resentment that slowly destroys marriages. But it doesn’t have to.

In this solo episode, I share simple, practical steps for married men (and single men planning ahead) to take the lead on money and protect your relationship.

You’ll learn:

Why regular money dates beat money fights
How to build a team budget that actually works
The power of budget discipline and delayed gratification
How to kill lifestyle creep and secret spending
Why term life insurance is non-negotiable for your family
Facing your real debt numbers and asking for help

Income doesn’t matter as much as habits. Whether you make $50k or $400k, talking openly and planning together changes everything.

Married men: Schedule one money talk with your wife this week.
Single men: Start tracking every dollar now.

Listen in, take action, and build the marriage and money future you both want.

Resources and free tools linked in the show notes.

Drop a review if this hit home, and share it with a brother who needs it.

FREE RESOURCE:
The Couples Money Date Guide — the exact step-by-step conversation format Sherman and Cristina used before paying off $203K. Download free at the link below.
matrimonymoney.com/links

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Episode 8: How to Protect Your Marriage (and Your Money) as a Man

Tue, 02 Jun 2026 06:00:00 -0400

In this solo episode of Matrimony and Money, Sherman gets real with the guys.

He shares practical tips on staying pure in your mind and actions — cutting out porn, setting up safeguards like Covenant Eyes, sharing all passwords, and avoiding things like “work wives.”

He explains why protecting your money protects your family: getting debt-free, planning for retirement, and not depending on the government when you’re older.

You’ll also hear why regular date nights and yearly trips with your wife matter, plus advice for single men who want to prepare now. Sherman talks from 21 years of marriage — the wins, the mistakes, and what actually works.

Straight talk for men who want strong marriages and a solid future.

If you’re a husband or hoping to be one, this one’s for you. Share it with a brother.

(Every Man’s Battle book linked in the show notes.)

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Episode 7: Why 'My Money, Your Money' Is Ruining Marriages

Wed, 27 May 2026 04:00:00 -0400

Sherman and Cristina talk openly about one of the biggest fights in marriage: money. They share why they combined everything from day one and why treating finances like roommates usually backfires. Real talk, funny stories, and simple steps to get on the same page.

Key Topics Covered:

Why separate accounts can create secrets, bitterness, and distance
The power of "one bucket" – two become one in every way, including money
Their story: Married at 22, different incomes, but chose unity from the start
The famous shirt story – impulse buys, FOMO, and learning to wait for a yes from your spouse
How to handle "fun money" without guilt
Why people overspend on eating out and stuff (and when it's actually okay)
Teaching kids about money so they don't repeat bad habits

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Episode 6: Busting 5 Money Myths That Hurt Your Marriage

Wed, 20 May 2026 06:00:00 -0400

In Episode 6 of Matrimony and Money, Sherman and Cristina talk straight about five common money myths that quietly damage marriages.

They break down each one:

“More money will fix our problems.”
“Talking about money kills the romance.”
“As long as the bills are paid, we’re good.”
“Only one person should handle the finances.”
“We’ll figure it out when we make more money.”

You’ll hear real stories from their own life, why these myths stick around, and simple steps strong couples take instead—like setting money dates, using a zero-based budget, and working as a team.

This episode gives you practical ways to clear up money stress and build a stronger marriage right now. If you’ve ever avoided money talks or hoped extra cash would solve everything, this one’s for you.

Listen in, then talk about which myth has been living rent-free in your relationship.

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Financial Infidelity: When Your Spouse Is Lying About Money

Tue, 12 May 2026 06:00:00 -0400

Quick Summary

Sherman and Christina talk openly about financial infidelity — hiding spending, secret purchases, or not being fully honest about money in marriage. They share real stories from their own 21-year marriage and give practical steps to fix it.

Key Stories

Sherman surprised Christina with a Mexico trip using a car accident settlement instead of paying debt. She was upset at first, but it became their favorite vacation and started their love for travel.
Christina admits to impulse buys on sale items and hiding packages. They both laugh about it but stress it’s not okay if it breaks trust.

Main Points

Marriage means becoming one — combine all money into one account. No separate accounts or “my money / your money.”
Financial infidelity usually comes from shame, fear of arguments, or pride — not always bad intent.
Men often need accountability. Women sometimes hide buys because they don’t want to ask or feel controlled.
Hiding spending hurts trust and keeps couples stressed.

3 Action Steps This Week

Full Disclosure Talk — Sit down and tell your spouse everything you’ve been hiding (secret accounts, extra spending, etc.). Wipe the slate clean.
Set a Budget + Spending Rules — Create a budget together. Agree on a dollar amount where you must talk first (example: anything over $500).
Weekly Money Meetings — Schedule regular check-ins. Talk about money, then go on a date after if you can.

Hosts’ Tip

Put a set amount into a “fun/spending” sub-account for gifts and personal buys so there’s no sneaking, but everything stays visible.

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Money Dates That Don’t Suck: Stop Fights & Make Them Fun | Matrimony & Money Ep. 5

Tue, 05 May 2026 06:00:00 -0400

In this episode, Sherman and Crristina get real about one of the most dreaded (yet powerful) habits in marriage: the Money Date.

If money talks in your relationship often feel like a vibe killer, spark arguments, or leave you both stressed, you’re not alone. The couple shares exactly why these conversations go wrong and how to completely transform them into fun, productive, and even romantic check-ins that actually move you closer to financial freedom.

From setting the right mood (goodbye Chili’s!), asking the tough but eye-opening questions, using the debt snowball method for quick wins, and turning it into a family affair, Sherman and Cristina give you a practical framework they used while paying off massive debt. Cristina also shares why these meetings used to drain her and how they’ve improved their communication and marriage.

You’ll walk away with actionable steps, including how to end every Money Date with clear goals and the next one already on the calendar.

Key Topics:

Why most money dates fail and how to make them enjoyable
Powerful questions that reduce stress and build alignment
Debt Snowball vs Avalanche – why motivation beats math
Involving the kids and making it a team effort
Their upcoming rebrand and what’s next for Matrimony & Money

Whether you’re deep in debt or building wealth, this episode will help you turn monthly money meetings into one of the strongest parts of your marriage.

🎧 Download our free Money Date Guide in the show notes and schedule your next one this week!

Submit your questions: matrimonyandmoney@gmail.com
Website: www.matrimonymoney.com

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Episode 4: Money Personalities – Why You Handle Money Differently (And How to Make It a Superpower)

Tue, 28 Apr 2026 08:00:00 -0400

Do you and your spouse fight about money — or just avoid the conversation entirely? In this episode, Sherman and Cristina get real about their own money personalities and why understanding yours might be the key to finally getting on the same page.

They break down the four money personalities — Saver, Spender, Avoider, and Planner — and share how their opposite styles have actually strengthened their marriage and their finances.

In this episode:
• The 4 money personalities and how to spot yours
• Why opposites attract (and how to make it work for you, not against you)
• Sherman and Christina's honest take on their own money journeys
• Why loaning money to family and friends almost always goes wrong
• How they paid off $203,000 in debt — faster than expected
• Why contentment is the secret weapon no one talks about

Take the free money personality quiz at www.no-debt-life.com

Want your questions answered on the show? Email us at matrimonyandmoney@gmail.com

If this episode helped you, share it with a couple who needs to hear it. And don't forget to subscribe on Apple Podcasts, Spotify, or YouTube!

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

Ep. 3 — We Finally Talked About Money (And Then He Admitted It Affected Our Sex Life)

Tue, 21 Apr 2026 06:00:00 -0400

In this episode — the first time Cristina has joined Sherman on the mic — the Merricks get completely real about what 14 years of carrying $203,000 in debt actually looked like inside their marriage. Not the highlight reel. The real thing.

From coupon date nights and putting groceries back on the shelf, to Cristina's heart surgery in the middle of it all, to the night a Sally Mae phone call at a movie theater in Tennessee changed everything — this is the story behind the story.

And at the very end? Sherman admits for the first time that making those big $15,000 debt payments sometimes took him out of the mood. Cristina's response? "I was just happy about it."

As featured on The Dave Ramsey Show, Fox News, and Fox Business.

IN THIS EPISODE:
— What it felt like to carry $203K in debt for 14+ years
— How Cristina managed the budget to the penny before budgeting apps existed
— The moment at Dave Ramsey's headquarters that lit a fire under them both
— Why Cristina kept herself from knowing how much money they were making (on purpose)
— How COVID's student loan pause became an unexpected turning point
— The honest conversation about how debt and big payments affected their intimacy
— Why they never actually fought about money — and what that says about their dynamic
— Tithing, faith, and believing God was in it all along

FREE RESOURCE:
Grab the free Couples Money Date Guide — the conversation format Sherman and Cristina used throughout their debt-free journey.
👉 linktr.ee/1matrimonyandmoney

CONNECT WITH US:
Instagram: @no_debt_life
Apple Podcasts: https://podcasts.apple.com/us/podcast/matrimony-money-podcast/id1527316527
Spotify: https://open.spotify.com/show/1hL94k43BSFPFEXmreQ8Un

As seen on The Dave Ramsey Show · Fox News · Fox Business

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

The Silent Money Stress Killing Couples (It’s Worse Than Fighting)

Tue, 14 Apr 2026 06:00:00 -0400

Most people think money problems look like constant arguments. But some of the most financially stuck couples never fight at all — they just carry the stress quietly. And in this episode, Sherman Merricks breaks down why silent money stress is often more dangerous than fighting, and what to do about it.

Sherman and Cristina Merricks paid off $203,000 in 27 months — as featured on The Dave Ramsey Show, Fox News, and Fox Business. In this episode Sherman shares what their quiet stress actually looked like, why couples go silent about money, and the one conversation that changes everything.

IN THIS EPISODE:
— Why the most dangerous money problem doesn't look like a fight
— The 3 reasons couples stop talking about money (shame, fear of conflict, different money personalities)
— What "silent money stress" actually looks like day to day
— How one honest conversation became the turning point for Sherman and Cristina
— The 2 questions to ask your partner this week to break the silence

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business

We're back!

Mon, 06 Apr 2026 00:00:00 -0400

We're back — and there's a lot to talk about.

After taking some time away, Matrimony and Money is returning with a renewed purpose, a clearer mission, and everything we've learned along the way.

In this episode, we're pulling back the curtain on why we stepped away, what that season taught us, and why we felt called to come back now. We also share where this show is headed — and who it's really for.

If you're a couple navigating the stress of debt, trying to get on the same page financially, or just looking for a community that understands what it's like to build a life and a financial future together — you are exactly who we made this for.

Matrimony and Money has always been about more than budgets and payoff plans. It's about the couples behind the numbers. The stress you carry quietly. The conversations that are hard to start. And the freedom that's possible when you stop going at it alone.

We're grateful you're here. And we're just getting started.

——
Follow us on Instagram: @nodebtlife

CONNECT WITH US:
Instagram: @matrimonyandmoney

Facebook: Matrimony & Money

Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business