Money fights are rarely about money. They are about surprises. Get everything on one page, calmly.
Choose a structure you will both keep running, have the five conversations, and replace money fights with a twenty-minute monthly date.
PDF guide + Google Sheet + Notion. Book your first money date the day you buy.
Five conversations, with opening lines
Each one has a line to start it, so the first sentence is not the hard part.
Three account models
All in, yours-mine-ours, or separate plus shared bills. Pick the one you will both keep running.
A twenty-minute monthly money date
A timed agenda, same day each month, so money is something you talk about instead of fight about.
conversations with opening lines
account models
monthly money date
of upvotes in the top personal-finance posts go to family and relationship money, which is about 14% of the posts.
Quiet Leverages analysis of Reddit top posts, Oct 2025-Sep 2026What you leave with
Everything on one page
Every debt each of you has, with balance, rate and monthly payment. A list, with no judgment.
A split you can both defend
Equal, or proportional to income. A fair-split calculator in the Google Sheet does the arithmetic.
A structure that runs itself
Paychecks land, automatic transfers move shared money, and each person keeps a personal account to spend freely.
Family money, covered
Supporting a parent, marrying later, inheritance and wills each get their own section.
The guide, the sheet and the opening lines
Read the guide together, or one at a time. Then book the first money date.
- The guide (PDF). Three account models, five conversations with opening lines, the split rule, the monthly money date, and family situations (supporting a parent, marrying later, inheritance, wills).
- Google Sheet. Fair-split calculator, shared costs, a money-date log and a family-money planner.
- Notion import and AI prompts. For the maths and for rehearsing a conversation.
Structure, conversations, then a habit
Choose a structure
Compare the account models and pick the one you will both maintain. Write down the model and the date you will review it.
Have the five conversations
Have each one once, properly. Write the answer down, and revisit it when something big changes.
Book the money date
Twenty minutes, same day each month, both calendars. Open with one win each.
A good fit if money is shared and rarely discussed
Use this if
- You and a partner share costs and have never put it all on one page.
- You want money to be something you talk about, not something you fight about.
- Money involves a parent, a later marriage, an inheritance or a will.
Skip it if
- You want tax, legal or investment advice. This is general education.
- You are planning money on your own. Start with the free What to Fund First.
- You want a one-time fix. The money date is a monthly habit.
Why the conversation matters, in numbers
of US adults began 2026 feeling financial stress.
NEFE, Jan 2026are very confident they split spare money well across debt, savings and retirement.
Vestwell, June 2026growth in US searches for 'google sheets debt payoff template'.
Google Trends, US, Jan-Sep 2026 vs 2025What readers say about The Couples Money Reset
Book the first money date today
Five conversations, one account structure, and a monthly habit that takes twenty minutes.
- The guide (PDF) with five conversations and opening lines
- Google Sheet: fair-split calculator, shared costs, money-date log
- Notion import and AI prompts
- Add a second kit for $12 at checkout
Before you decide
What format is it?
A PDF guide, a Google Sheet with a fair-split calculator and money-date log, and a Notion import with AI prompts.
How long does it take?
The monthly money date is twenty minutes. The five conversations are each held once, properly, and revisited when something big changes.
Who is it for?
Couples who share some or all of their money, including those supporting a parent, marrying later or planning around an inheritance.
What if we already have separate accounts?
That is one of the three models. The guide compares all three, including separate accounts plus shared bills, so you can choose the one you will both keep running.
Can I print it or use it on a tablet?
Both. Print the guide, or work from it on a tablet with any PDF app. The Google Sheet works in your browser.
Is this financial, tax or legal advice?
No. It is a conversation kit and general education only. Laws on inheritance and wills differ by state.
Everything on one page, before it becomes a surprise.
Start with Conversation 1 and book the money date.
Get it for $19One-time $19 on Gumroad. Instant download.