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00:14Hello, how are you? Brother, sister, I want to introduce myself, I'm Laura Elena and my husband is Ricardo.
00:23We have been married for 30 years, and we thank the Lord for this opportunity He gives us to share this message with you.
00:32important.
00:33Now that you're preparing for that future marriage, let's talk about a thorny issue: household finances.
00:42But such an important topic, and we're going to see how in the Word of God, in the Holy Scriptures, the
00:50The Lord is giving us the guidelines to follow a good economy in our marriage, in our home.
00:56He wants us to experience this very important topic to the fullest.
01:01Yes, we have been very blessed in these more than 30 years of marriage and have received the opportunity
01:13to be able to serve more people in different apostolates.
01:17In our apostolates we have met many married couples and have witnessed both their successes and failures.
01:25We have realized how often choosing the wrong path leads to terrible failures, even divorce.
01:36That's why it's important to address these issues.
01:40The economic factor is vital in married life.
01:45And God wants our marriage to be a lasting marriage, a prosperous marriage, a marriage blessed by Him.
01:52The idea behind these three sessions is that we can find the right path to make our marriage a marriage
02:01very blessed.
02:04And why is the economic factor so important within marriage?
02:09It's just a matter of looking at the statistics, which you can check online.
02:14and realize that one of the three factors where marriages fail is the economic factor.
02:24We sadly observe how many married couples are unable to bring their finances to the level that God commands.
02:35And we see how there are very important mistakes in married life regarding the economic factor.
02:43And these errors are not precisely errors that have to do with the amount of money,
02:51with the amount that one possesses, with the good itself.
02:55Many of the failures occur because of the way couples have a concept of the use of money.
03:06As time passes, they realize that their perspective on money was very different.
03:13Very different, and that causes marriages to deteriorate.
03:17they erode, they get damaged.
03:21And often this causes marriages to argue and fight.
03:28and that there is no other way to solve the problem than separation.
03:34This is very sad.
03:36That's why it's important to discuss these topics from the beginning of your married life.
03:45You who are currently in this beautiful stage of courtship,
03:49You must have noticed how there is a difference in the way this economic factor is handled.
03:56You and your partner, right now, within the dating phase.
04:00Well, if you don't discuss this very important situation right now,
04:06Just imagine what will happen in the future, once they are married.
04:10Why do these differences exist?
04:13Look, we've had family, friends, right?
04:19We see how, from the dating stage, there is a big difference in the way they use their economic resources.
04:26Even if they are from the same socioeconomic level.
04:29In other words, that they come from the same level, from the same purchasing power.
04:34What's happening?
04:35They bring different examples from their families.
04:38They come from two different families.
04:40There are families where they're used to spending everything they earn, right?
04:47There is no culture of saving, so people indulge in luxuries, buy expensive things, take trips.
04:55And there are families where a culture of saving exists.
05:00where they do go out to dinner, but in simpler places.
05:05purchases of more essential things.
05:07So, from there we see the differences.
05:10And if they can't agree on this right now, during their courtship,
05:15It will set a bad foundation for their future marriage.
05:20Yes, in fact, it's very important that we understand how we came from.
05:26Currently, perhaps the boyfriend, perhaps the girlfriend, manages an individual economy.
05:33You probably work, you receive an income,
05:38And you know, based on your experience, the best way to spend that income.
05:44You must invest, you must save.
05:47But your partner probably has a very different shape.
05:51At the moment they unite in marriage,
05:55These individual goods become a single good.
06:00That income you had as a girlfriend,
06:04that income you had as a boyfriend,
06:07it combines into a single income,
06:09which is the marriage income.
06:12And there needs to be such transparency regarding that income.
06:17and such confidence
06:20that precisely not having it makes marriage become
06:25under a very difficult burden to live with.
06:29That's why now that they're dating,
06:31It is vital that they reach an agreement.
06:34It is vital that they find that same sense of purpose.
06:38for their possessions, for their wealth, for their prosperity.
06:42Where do they want to take this gift that God has given them?
06:46That's how it is.
06:47Unfortunately, it still exists.
06:51a factor that greatly harms our relationship.
06:55It's sexism.
06:57We know some couples where,
07:00Well, nowadays most women work,
07:03They continue working even though they are married,
07:05But couples do exist, and we know them, right?
07:08Where they dedicate themselves to the home, they dedicate themselves to the children,
07:13then they are economically totally dependent on their husbands.
07:18And when this situation of sexism exists,
07:21The husband does not share what he earns,
07:24He doesn't tell his wife how much we earn,
07:27what we have, what we don't have.
07:29And it's like a kind of subjugation.
07:32I will give you what I judge you need for yourself and for our children.
07:37What's happening?
07:39So the woman feels subjugated, right?
07:42That relationship of love, of trust, does not exist.
07:45And so there can be different situations.
07:48On one hand, you can feel, believe, right?
07:51The husband earns more than she sees, right?
07:55From what he gives her.
07:56And, well, he's giving her very little.
07:59And that's an injustice, isn't it?
08:01Or, perhaps, they may not ask for things they really need,
08:05thinking that the husband has no money, and it turns out that he does.
08:08So, well, this is very unfortunate.
08:11And we have seen resounding failures.
08:13What's happening?
08:14Or they're just constant fights, right?
08:17And so they are a torment, aren't they?
08:19It's not a happy marriage.
08:20Or is she holding on to this grudge?
08:24And over the years, sometimes even when the children have grown up,
08:28Unfortunately, we see marriages of 30 years, just like ours,
08:32up to 40 years old, where the lady is exploited,
08:35The wife explodes because of all that resentment and bitterness.
08:39which she kept with her husband and often due to economic factors.
08:44Lack of trust, lack of communication.
08:46Yes, it's shocking to realize how in many marriages
08:51A dual economy is in operation, right?
08:53Often, income figures are unclear.
08:58Even the expenses are unclear.
09:00One of the spouses maintains expenses or maintains income
09:05that he doesn't disclose to his wife.
09:09And we see how many times until the moment of separation
09:14or even the death of one of the two,
09:18The woman is usually found to have had debts with her husband,
09:24The husband owed money to certain people,
09:28The husband had bought things that the wife never knew about,
09:32Her husband had jobs that she never knew he did,
09:35or even that the husband had assets that the family never enjoyed.
09:40It is very sad to see that this is a current reality that we are living.
09:46What does the Lord want, brothers?
09:49He wants there to be trust, there to be communication.
09:52And this starts during courtship, to prepare for a solid marriage.
09:57in this area of economics especially.
10:01We met a couple who had been married for 45 years,
10:06He dies and she chooses a nice dress, right?
10:12to take him to the funeral home, to have his wake held, to bury him with him.
10:17When she then removes her husband's wardrobe,
10:21He notices that in most suit jackets,
10:26Hidden in the small bags were bundles of banknotes.
10:29It was a kind of old-fashioned way for him to save his money there.
10:33and he never shared it with her.
10:36She was left with a feeling of pain thinking about the sack she had taken to the funeral home
10:41He was carrying a wad of banknotes.
10:43Or the funeral director did really well, didn't he?
10:46So she went to the coffin and was buried, and it was money she needed.
10:52And it's not as simple as just telling him,
10:54Hey, I have my stash here.
10:57So, well, an example like that makes us laugh a little, right?
11:01But really, really, if we don't share our troubles with our partner, right?
11:09As Ricardo said, debts, right?
11:12Hey, I'm not telling you that we have this debt,
11:14Well, the wife, the husband won't understand the communication.
11:19The Lord wants this communication to happen.
11:21Yes, and God does not make mistakes.
11:24Those of us who have chosen this path, this adventure,
11:28What is marriage, this beautiful adventure?
11:31We know that the moment we decide to live this wonderful sacrament,
11:37which is that of marriage,
11:39We know that with him comes many responsibilities,
11:44many efforts, many difficulties,
11:46But we also know that the Lord, when giving us the gift of the sacrament of marriage,
11:54He gives us many blessings,
11:56It gives us the paths to become prosperous,
11:59in order to be blessed,
12:01However complicated the financial issues may be in our marriage,
12:07in our family,
12:08God will always help us to get through this.
12:11And for God, the economic factor is so important,
12:16for us, his children, and especially for us married couples,
12:22If we look at just three of the evangelists,
12:29Saint Matthew, Saint Mark, and Saint Luke,
12:31We have that one out of every six verses has to do with economic issues,
12:39It has to do with issues of money, power, and wealth.
12:44For God, this part is very important.
12:48including 12 of his 38 parables,
12:51If you check,
12:52They have to do with money-related issues,
12:55Why is it that God has given so much importance to money?
13:04Why is it that these kinds of questions are appearing even more frequently?
13:12Questions related to heaven, hell, and the devil?
13:17For God, the economy is fundamental, and the family economy is paramount.
13:23That's right, but look,
13:26Let us not feel as though God has abandoned us,
13:30You, you who are currently in your relationship,
13:33preparing you for that marriage,
13:35You must have the certainty that the Lord will accompany you and help you in this great
13:41passed,
13:42from going from being two to being one,
13:45Scripture tells us, the Gospel of Mark tells us,
13:50Mark, chapter 10, verses 7-8
13:54That is why a man will leave his father and mother,
13:58and the two will become one flesh,
14:03so there are no longer two,
14:05but one flesh.
14:08The Lord desires one flesh,
14:11through the sacrament of marriage,
14:13He will shower abundant blessings upon us,
14:18in all aspects of our lives,
14:20And in this aspect, the economic one, the management of income,
14:25the management of the assets we have,
14:27that He will trust in our marriage,
14:29He's going to give us all the weapons,
14:31all the elements we need to move forward.
14:36And I tell you, God does not leave us alone,
14:40God gives us a path,
14:42God gives us three foundations
14:47in order to have a healthy family economy.
14:50The first of these is that the economy is the foundation of society,
14:56If we look at the word economy,
15:00It comes from the Greek o economos,
15:02And it means the household economy.
15:06In other words, the economy that you see at a global level,
15:10the economy that you see as a society,
15:13It is based on a good household economy.
15:18A healthy household economy
15:20This translates into a good social economy.
15:24That's how it is.
15:25The second important point is,
15:27We must have an economy based on God's plan.
15:31no to our plan,
15:33No to your plan,
15:35based on God's plan.
15:37What does God want for us?
15:39Do you want us to have a lot or a little?
15:41Do you want us to buy this house?
15:43that we acquire this asset,
15:45that between this job that demands more of me
15:47And that I might neglect my home life?
15:49What does God want?
15:50We will see this throughout these topics,
15:54So, what does God really want for our economy?
15:57What is God's plan for us?
16:00And finally,
16:01the third fundamental point
16:03for a successful married life,
16:08prosperous,
16:08is that the Bible becomes
16:11in the light of our path.
16:14God loves us very much.
16:15And the way He teaches us the right path
16:20It is through Scripture.
16:23It's like the way He explains it to us
16:26how to carry out God's plan.
16:29We see in the Old Testament
16:31books like the Book of Wisdom,
16:33Proverbs,
16:34or even from Deuteronomy,
16:35how is he explaining it to us?
16:37the proper use of goods and money.
16:40We also see in the New Testament
16:43the letters of Saint Paul,
16:46in which Saint Paul explains to us
16:48in a beautiful way
16:50the mistakes we can make
16:53due to mismanagement of our economy
16:56and with our money.
16:57We often hear
16:59in the groups where we are participating
17:03marriages where there are complaints
17:06between the same marriages,
17:08with the parents, with the children.
17:11And one of the main excuses
17:14that they put themselves into those failures
17:16It is said that
17:17The thing is, I wasn't taught how to be a good father.
17:19Or was I not taught how to be a good son?
17:23The Word of God
17:24It has all the necessary regulations
17:27in order to know
17:29me as husband, you as wife,
17:32What does God want?
17:33and what your responsibilities are.
17:36As well as the blessings
17:38to be able to follow that path.
17:40The problem is that we don't read the Bible, brothers.
17:43The Bible is a manual for life
17:46And it's a manual for married couples.
17:48That's not true, it's the one they didn't teach me.
17:50to be a good father.
17:53Read the Bible.
17:54We have great wisdom in the Bible.
17:57But you have to look for it, you have to read it,
18:00It needs to be meditated upon, it needs to be prayed over.
18:03And you will see how the Lord will bless you greatly.
18:06to your marriage
18:08and it will greatly prosper your family.
18:11Yes, we wanted to in this session
18:15to show you the importance
18:17to maintain this good economy
18:19and carry it out according to God's plan.
18:23Throughout these sessions
18:24we're going to transmit to you
18:26how through the Word
18:28The Lord gives us the guidelines
18:30for this healthy economy,
18:32This economy, following its plan,
18:34following what he wants for us
18:36and how this brings us many blessings.
18:39We're going to share with you
18:40many biblical quotes
18:42And our experiences, right?
18:44Because we have experienced it in our marriage.
18:46We have lived how the Lord
18:48He blesses us abundantly
18:50in this economic aspect
18:51when we leave everything in his hands
18:53and when we really try
18:55to do things according to his plan.
18:57There's a saying that goes
18:59that when poverty
19:01enter through the door,
19:03Love flies out the window.
19:05What does that mean?
19:06Poverty isn't about having a lot or a little, is it?
19:10Let's look at the following topics
19:12how is the quantity of goods,
19:15but how you become attached to them.
19:18Thank you, make good use of this material.
19:21and prepare for a future marriage
19:23blessed by the Lord.
19:36Thank you!
19:37Thank you!
19:38Thank you!
19:39Thank you!