Debt-Free Together

Debt-Free Together
Two people. One financial life. Real partnership.

Money fights are among the top causes of divorce.

The fights are rarely about the dollars. They're about trust, control, fairness, security, and the unspoken expectations each partner brought into the relationship.

This book is for couples who want to address debt together without losing the partnership in the process.

What you'll learn together
Part 1 — Starting with the truth

The conversation most couples avoid (and how to actually have it)
Putting everything on the table — debts, assets, cash flow
The money stories you each brought from childhood
Part 2 — Structure before strategy

Yours, mine, and ours — the account question for modern couples
Who pays what — proportional vs. equal contribution and why it matters
The monthly money meeting — the single most important practice
Part 3 — The payoff plan

Snowball, avalanche, or the hybrid that often works best
When to consolidate, settle, or negotiate
Sacrifices that work — and the ones that damage the relationship
Part 4 — Staying together through it

Saver-spender dynamics — when one of you is each
After the debt — building together from here
Plus:

90-day reset plan (3 phases of 30 days each)
7 templates and conversation guides
Glossary in plain English
Guidance on when (and what kind) of professional help to get
What this book WILL NOT do
Treat debt as a moral failing requiring shame
Promise dramatic transformation in 6 months
Use traditional "the man handles money" framing
Replace couples therapy if your relationship needs that
Pretend that staying together through this is easy
Push aggressive sacrifice that damages the relationship
What it WILL do: respect both partners as equal adults, give you the practical structures that actually work, and trust you to apply them to your specific situation.

What you'll receive
PDF (107 pages, optimized for screen reading)
EPUB (compatible with Kindle, Apple Books, Kobo)
DOCX (editable for annotation)
Bonus: All templates and conversation guides as a separate printable PDF
Read it together. Or read it separately and compare notes. Run the 90-day plan. Pay off the debt. Stay together. Both are achievable.