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Money stress usually feels like a numbers problem, but what we’re really missing is a shared picture of the future. We dig into the tug-of-war between kid expenses now and retirement later, and we show how a simple, faith‑grounded vision transforms everyday choices.

With Josh, a Certified Financial Planner (with many other certifications!), and our own marriage as the test lab, we get practical about defining your ideal day when you retire, naming the deeper why behind “big” desires like a vacation home or a classic car, and reframing them as tools for family unity, service, and dignity rather than just indulgence.

Josh and I discuss:
• casting a shared retirement vision rooted in values
• replacing guilt with a deeper why for desires
• small, consistent steps over perfect plans
• monthly or quarterly money check‑ins together
• common mistakes when trying to implement
• teamwork, repair, and forgiveness as financial skills

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