Adapted from Cents & Sensibility: How Couples Can Agree about Money, copyright 2005 by Bethany and Scott Palmer. Published by Life Journey, an imprint of Cook Communications Ministries, Colorado Springs, Co., www.CookMinistries.com/LifeJourney.

Bethany and Scott Palmer are partners in life and work. They are both financial professionals and have counseled thousands of couples with financial issues, helping them work through their financial differences to discover more joy in their relationships. Bethany is the executive director/cofounder and Scott is the director of sales for Envoy Financial, an international organization that consults and implements retirement and group benefit plans for ministries and their employees. As financial representatives, Scott and Bethany offer advisory services and securities through Lincoln Investment Planning, Inc., Registered Investment Advisor, Member NASD/SIPC.