What I’ve Learned From Going Through Financial Peace With My LifeGroup - Finds.Life.Church

What I’ve Learned From Going Through Financial Peace With My LifeGroup

by Abigail Workman

Financial freedom. It’s something everybody wants, but very few people achieve. I was lucky to have strong influences in college who encouraged me to develop healthy financial habits early on. But my desire for financial freedom became even more evident when my husband and I got married—after all, money conflicts are the leading reason for divorce.

My husband and I talked for months about budgets, paying off debt, and stewarding our resources well. While we were newlyweds, we experienced a season of changing jobs while my husband also returned to school. As a result, our incomes fluctuated, and we took on more debt through student loans. Thankfully, we had healthy conversations about money, and were able to implement our budget well.

However, after seeing Life.Church’s message series, Keep the Change, we both felt called to say yes to going through Financial Peace University. But we knew it would take a strong game plan, discipline, and accountability. 

So we took this calling to our LifeGroup to see if any other couples would be interested in going through Financial Peace with us—and to our surprise, everyone said yes. So the following week, we all sat down with our workbooks and started the first class. Here are some helpful things we uncovered.

Three Things I’ve Learned from Doing Financial Peace With Friends

1. Financial freedom honors God and makes the enemy angry. My husband and I have a pretty good record in tackling finances as a team. Our first real fight about money was about six months into marriage—and the same night we started Financial Peace. 

I believe the enemy wants to hold us captive to our debts because financial freedom opens the floodgates to honor God with all that we have. And one way it does that is by allowing generosity to have a permanent seat at the table.

On our road to financial freedom, I’m learning this truth:

Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. 2 Corinthians 9:7 NIV

By living within a budget, we are able to be intentional with our giving. Knowing that we have a plan in place—decided, as Paul puts it—keeps our hearts in check as we continue working to pay off debt. We’re positioning ourselves to be cheerful givers, which ultimately honors God and brings Him joy.

We’re also positioned to see and receive God’s blessings in new ways. In the months when the expenses exceed the income, God does what He does best—provides

2. Celebrate every single win. Dave Ramsey makes it easy to celebrate often because he breaks the steps to paying off debt into baby steps. As a LifeGroup, we celebrate the completion of each step, and more. So far, we’ve cheered each other on as we’ve built budgets, paid off cars, and grown savings. 

You can obviously celebrate by yourself, but I’m learning that these aren’t just wins for the couple but also for our small community. And when we each feel the chains of financial dependence starting to loosen and fall to the ground, we can’t help but cheer each other on.

Additionally, when we’re intentional about celebrating, it welcomes accountability and consistency—key players when it comes to financial peace. Each week, we determine one or two action steps that each of us can take before we meet again. 

One way we’re able to hold each other accountable is by checking in on Sundays when we’re serving together. We have the opportunity to make small, consistent strides forward, knowing there are celebrations to come. On the days when it feels like the progress is so small it couldn’t possibly matter, we lean into each other and continue cheering for one another.

So as each couple completes an action step, we share with gifs, emojis, and memes in the group chat. Celebrations don’t need to be big, crazy, or elaborate—they just need to be the encouragement and motivation to keep us going.

3. Money doesn’t have to be a taboo topic. When I was growing up, money was not openly talked about. It even felt like the topic could be the ultimate swear word. So when my husband mentioned merging bank accounts shortly before our wedding, I shouldn’t have been surprised that my chest became tight and my palms sweaty.

So, does the thought of talking about money make your heart race? I know when we started this journey with others, that was one of my biggest fears. But here’s the thing: Just because talking about money feels uncomfortable doesn’t mean it’s something to avoid talking about.

In fact, the Bible talks about money—a lot.

From parables about coins and investing to examples of greed and love for money, the Bible makes it clear that money is a valuable topic to talk about.

As a LifeGroup, we can share our struggles and concerns, knowing that we’re probably not the odd ones out. And actually, every time a couple has been vulnerable about their finances, it has opened a safe space for even deeper conversations about money. 

Navigating money, debt, and financial freedom shouldn’t be things you walk through alone.  Instead, allow yourself to experience honest, vulnerable, and difficult money conversations. And find your people to help you celebrate wins of all sizes.

So, have you considered going through Financial Peace—either by yourself or with a group? Are you hesitant because talking about money feels taboo or because your finances feel incredibly personal? 

Both of those concerns are valid, and we felt similar feelings as we started Financial Peace with our LifeGroup—but I’m so glad we did. Our marriage, our finances, and our community are better for it. So, what do you have to lose? 

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