I once spoke to a friend who was divorced, and she was telling me some of the things that her husband did that hurt her feelings. One of them was that immediately after she was able to get a job, her husband split all the house bills in half and demanded that they share the bill payments, and she had to remit her own portion to his account every month.
Her husband singularly paid all the bills while she was
unemployed, but as soon as she began to earn income, he set the rule that she
had to pay her own share of the home’s running costs. And this is not a case in
isolation. All over the internet, there have been debates about whether the
husband and wife should share the bills or not.
What Does the Bible Say About Financial Responsibility in Marriage?
Before sharing anything about how to handle financial stress
in marriages, we need to check the Bible, God’s own word, to understand the
mind of God when it comes to the matter of money and its impact on marriages.
One of the most popular scriptures when it comes to the
matter of finance and marriage is 1 Timothy 5:8, and it reads, “But if
anyone does not provide for his own, and especially those of his household, he
has denied the faith and worse than an unbeliever.”
From this scripture, and the role of the man as the head of
the home, and the one assigned by God to care for his wife as his own body
(Ephesians 5:25-29), and train his children in the way of the Lord, we won’t
argue with the fact that the husband is the primary financier of the family.
A good man ensures that his family is well taken care of,
and he would do whatever it takes to ensure the well-being of members of his
home. A good man is sacrificial in ensuring he fulfills his God-given
assignment, because his assignment is to follow the pattern laid by Jesus.
So, expecting a man to go above and beyond in this regard
will not be a surprise. But more importantly, the underlying catalyst is love.
A man who loves his family deeply and genuinely will do what it takes to care
for them sacrificially. A man who loves will do all that is within him to show
that love, and financially providing for his family is one of the means of
showing that love.
Should a Wife Help Her Husband Financially?
But there is another caveat to this theory. A man who is
genuinely needing help to fulfill his God-given role as the provider for his
family has not sinned if he seeks the financial support of his wife when he is
sure she is capable of providing that support.
In discussing this angle of the matter, I want us to
consider Proverbs 31:16-18, and it says, “She considers a field and buys it;
from her profits she plants a vineyard. She girds herself with strength, and
strengthens her arms. She perceives that her merchandise is good, and her lamp
does not go out by night.”
The scripture above is the description of a virtuous woman.
The Proverbs 31 woman is not idle. She is industrious, resourceful, productive,
and willing to use her abilities to contribute to the flourishing of her
household, including financially where she has the opportunity and capacity to
do so.
Should Husbands and Wives Split the Bills 50/50?
The question that then comes to mind is: Is she supposed to
be earning income to hand it over to her husband, or is it right for the
husband to demand that she shares in equal proportion the family expenses
simply because she is earning income?
While there is no right or wrong answer to these questions,
we can glean wisdom from God’s word as we try to approach this. Genesis 2:18 describes
what God has in mind when He formed the woman. That verse says, “And the Lord
God said, ‘It is not good for the man to be alone. I will make him a helper suitable
for him.’”
So, the woman that God made and handed over to the man, who
then became his wife, was formed as a suitable helper for the man. If we agree
to this truth, then a man asking financial help from his wife, who is formed
for him as his suitable helper, is not out of place.
God's Rules of Engagement in Marriage — discover God’s principles for navigating money, responsibility, and financial support without resentment or division, and build a marriage where love, honor, unity, and God’s design come first.
Marriage Is a Partnership: Two Are Better Than One
But more than this, the angle I want to approach this from
is found in Ecclesiastes 4:9-10, which says, “Two are better than one,
because they have a good reward for their labor: if either of them falls down, one
can help the other up. But pity anyone who falls and has no one to help them
up.”
A good wife should be readily available to help when it is
required of her, first because she is her husband’s suitable helper, and
because that is what partners should do naturally; they should help one another
up in times of a fall.
But when a man refuses to carry out his financial
obligations to his family and shies away from his responsibilities not because
he does not have the means to, but because his wife works hard and earns
income, then 1 Timothy 5:8 tells us that such a man has denied the faith and is
worse than an unbeliever.
So being able to do and not doing when it comes to a man’s
financial responsibility to his family is an act of irresponsibility. I have
seen a man who continually grows in God’s blessings, and one of his secrets to
success is that he cares for his family sacrificially. Nothing is too much for
him to spend for the comfort of his family.
When Financial Support Becomes a Weapon in Marriage
But there is another side of the coin that I want to talk
about. There is another true-life story of a divorced couple, and one of the
husband’s pain points is that the wife really does help whenever she is called
upon to support financially, but when there is a slight misunderstanding, she
starts to recount all that she has done for the husband.
She will hound him with the house furniture she bought, the
home appliances she paid for, and the mortgage she supported, and, as such,
make the man feel worthless. And so one begins to wonder if the financial
support was even worth it in the first place.
Proverbs 31:11-12 says, “Her husband has full confidence
in her and lacks nothing of value. She brings him good, not harm, all the days
of her life.” And verse 23 says, “Her husband is respected at the city
gate, where he takes his seat among the elders of the land.”
These scriptures above tell us what is expected of a good
wife. It is not enough that a wife supports her husband financially, but that
she honors him even while doing so. Money should be a blessing and not a curse.
It should be enjoyed and not used as a weapon.
Submission, Money, and Obedience to God
If you then ask me what I would do if I were in the position
of a wife whose husband has asked for financial assistance. First, because
communication between my husband and me is very active and we discuss a lot, I
will not wait for him to ask before jumping in to help if he needs it.
If you ask again what I would do if my husband demanded that
we share the household bills equally, my answer is that I would pay my share. Not
because I believe that a 50/50 arrangement is fair, but my submission to my
husband is ultimately an act of obedience to God.
Ephesians 5:22–24 tells wives to submit to their own
husbands as unto the Lord. Therefore, my focus would not simply be on whether I
agree with my husband's decision or not, but on whether I am obeying what God
has required of me. Unless what my husband asks of me requires me to disobey
God, I cannot define submission as yielding only when I agree with him.
My husband is responsible before God for how he leads me,
and I am responsible before God for how I respond to his leadership. If his
decision is unfair, God can deal with him concerning his responsibility; but I
should not allow his failure in one area to become my justification for
disobedience in another.
So, when I pay that bill, I am not merely putting money
toward a household expense. I am choosing to honor God's Word. I believe that
no sincere act of obedience to God is wasted. God sees the heart from which
that obedience comes, and He is the One who rewards those who honor Him. My
confidence, therefore, is not in the fairness of the arrangement, but in the
faithfulness of the God whom I am ultimately obeying.
In my own real world, I am a stay-at-home mum who does not
earn income yet, but my invaluable contribution to my husband is priceless and
well appreciated by my husband. But when I do earn income, what I would do is
what I have described above.
I will say this as my closing: The husband is the primary
provider of the home. God, knowing that there will be downtimes in a man’s life
journey, provides a suitable helper for him in the person of his wife. A good
wife should not sit idle; as much as she can, she should earn income or strive
to earn income.
A wife who financially supports her husband does what is
good. But more than just supporting your husband financially, how you do it
matters. Do it while protecting his honor. A man who has the capacity to take
care of his family financially but does not has lost the faith and is worse
than an unbeliever.
Financial disagreements are rarely just about money. They
often reveal deeper questions about responsibility, sacrifice, trust, honor,
submission, and how two people learn to function as one. And these are not
principles we need only when financial pressure comes; they are part of
learning how to build a marriage according to God’s design.
Today’s post is the twelfth in our three-month series on
marriage. If this message has challenged you to look more closely at how God’s
Word should shape not only your finances, but the way you relate to your
spouse, then I invite you to go deeper.
My book, God’s Rules of Engagement in Marriage,
walks you through biblical principles for building a marriage that honors God
and remains strong through the different seasons of life.

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