Is It Illegal For My Husband To Lie About Money To Me?

Julia has a surreptitious credit card that she hides from her married man, Carlos. Whenever she goes out for a piddling retail therapy, she uses that card and has the pecker sent to her office. That way, she doesn't have to listen to whatever lectures from him most how much she'southward spending. She figures what he doesn't know can't hurt him.

She's incorrect.

Keeping money secrets from your partner, like Julia's undercover shopping, is called financial infidelity. And co-ordinate to experts, it tin crusade simply as much impairment in a matrimony every bit cheating on your spouse. When lies most money come to lite – as they tend to do sooner or later on – they frequently lead to arguments over money, loss of trust, and even divorce.

Types of Financial Infidelity

Julia is a fictional character, but the kind of deception her story illustrates is both real and widespread. In a 2018 survey past CreditCards.com, 15% of respondents admitted they weren't ever honest nigh money with their significant others, and 23% said they didn't think their partners were always honest with them. A 2016 survey past the National Endowment for Financial Education (NEFE) found that the problem was even more common. Roughly two in five respondents said they'd lied about coin or hidden financial details from a spouse or partner with whom they shared their finances.

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Financial infidelity takes many forms, some more serious than others. Hither are some of the things people admit to deceiving their partners about.

i. Spending in Secret

Mayhap the most common form of financial infidelity is lying about or covering up spending. In the NEFE survey, 22% of respondents said they had hidden a minor purchase from their partners, and vii% had hidden a major buy. In addition, 12% of respondents had subconscious a bill or banking concern argument so their partners wouldn't come across how much they'd spent.

A separate survey, conducted past Money magazine in 2014, found that 22% of married people admitted to spending money they didn't want their spouses to know about. The types of purchases they were most probable to conceal differed for men and women. Husbands were more probable to hide spending on electronics or hobbies, while wives typically curtained purchases of clothing, shoes, and gifts for friends and family.

Hither are a few other means partners can prevarication to each other nearly spending:

Rounding Down. You pick upward a cool new toy at the mall for $65. When your spouse wants to know how much it cost, you lot hastily round the price down to $60 or even $50 so information technology won't seem too extravagant. A deviation of $v or $fifteen doesn't seem like much, but when you do information technology repeatedly, those little changes can add together up to a big gap in your household upkeep.
Covering Upwardly Missed Payments. Your partner asks if you paid this month's electric bill. Actually, y'all forgot to, but instead of 'fessing up, you lot say, "Of grade" and so rush to the reckoner to pay it before you lot get caught. The problem is that a late payment could harm your credit rating – and your spouse's if you share the account.
Hiding the Bill. Your credit card bill arrives, and in that location's a big expense on it that y'all know your spouse will flip out about. Rather than get into a fight, you lot quietly hide the beak in a drawer. The big danger here is that you could forget to pay it. Only fifty-fifty if you remember, that's notwithstanding money coming out of your joint banking concern account. You can muffle the expense temporarily, simply sooner or later, your spouse is going to wonder where that money went.

two. Concealing Debt

A less common, but more serious, form of fiscal infidelity is hiding debt from your partner. About 1 in 12 respondents in the NEFE survey said they had lied to their partners about how much they owe. An informal survey conducted by NBC News in 2018 found charade about debt was fifty-fifty more than common; 27% of respondents said they had taken on some amount of debt without telling their partners.

In some cases, secret debt can amount to tens of thousands of dollars. For instance, in an interview with CNBC, fiscal counselor Neal Van Zutphen describes coming together with a couple and learning, equally he examined their finances, that the married man had accumulated more than $60,000 worth of credit card debt without telling his wife. The money had gone to supplement the household finances and pay a business consultant while the married man was going through a job alter.

Similarly, credit counselor Paula Langguth Ryan told CreditCards.com about a client of hers who put $82,000 on his credit cards while trying to salve his family business. Massive debts similar these can stay hidden for years, only coming out into the open when the debt-ridden spouse can no longer find a way to make ends come across. By that bespeak, of course, paying off the credit card debt is a much bigger challenge.

three. Lying Nearly Income

Ane in 20 respondents in the NEFE survey said they had lied to their partners well-nigh how much coin they make. A 2018 survey by Safety Domicile got a higher response charge per unit for this type of prevarication; roughly xiii% of men and 15% of women admitted to deceiving their partners about earnings.

People can lie about their income in either direction. Some hide a high income from their spouses for fear their spouses will spend it all, while others exaggerate a low income because they're embarrassed to have their spouses know how little they really make.

Lawyer Nancy Chemtob told Forbes the most extreme case of this she ever encountered was a woman who lied to her future husband on their very first date, saying she had a professional caste and a salaried task when she was really unemployed. Throughout their whole marriage, she left the house every day at the same time he did under the guise of going to a job she didn't have. When her married man finally found out the truth, he immediately filed for divorce.

four. Hiding Accounts

One of the rarest forms of financial adultery is keeping entire accounts hidden from your partner. In the NEFE survey, half-dozen% of respondents said they had a secret banking company business relationship they hid from their partners. For couples who don't live together, this number is significantly higher.

The CreditCards.com survey found that among all couples in relationships – including both couples who shared a home and those who lived apart – 23% had accounts their partners didn't know virtually. Those who lived apart were "significantly more likely" to have subconscious accounts.

Who Commits Financial Infidelity?

According to Chemtob, financial infidelity is a trouble at all income levels. Wealthy people are only as likely to hide coin matters from their partners as those living on a shoestring budget. The rich merely come up up with more elaborate schemes for hiding their coin. For example, i adult female told her husband she wasn't receiving child back up for her son from a previous marriage so he would cover the male child's expenses, allowing her to stash $seven,000 a month in a hole-and-corner business relationship.

Differences by Gender

Both men and women commit financial infidelity, but information technology appears to exist slightly more than common amidst men. In the NEFE survey, 46% of men admitted to deceiving their partners nearly money in some way, compared to 38% of women. Men and women were as likely to hide minor purchases from their partners, only men were nigh twice as likely to hide major ones and to lie almost their earnings.

In that location is one exception to this rule: lying about debt. The NEFE survey found that women were slightly more probable than men to lie about the amount of debt they have. Prophylactic Domicile constitute the aforementioned thing; 16.8% of women admitted to lying to their partners about debt, while only 9.6% of men said the same.

One possible reason for these differences is that men and women tend to have different attitudes about spending. In a survey by CreditCards.com in 2015, 31% of men said they wouldn't care if their partners spent $500 or more without telling them, while only 18% of women said the same. And then men who conceal major purchases from their spouses may not consider themselves to be cheating, even if their partners do.

Differences past Age

Younger couples are more probable to hide details about coin from each other than older ones. In the 2015 CreditCards.com survey, roughly one out of four people betwixt xviii and 29 years old said they had kept a large purchase a secret, while only 15% of those aged 65 and upward said the aforementioned. People nether fifty were nearly twice as probable to have a cloak-and-dagger account equally people over 64.

The NEFE survey establish slightly dissimilar results; men under 35 years old were the about likely to commit financial infidelity. Of these men, nearly three out of four said they had lied well-nigh or subconscious fiscal details from a partner. This percent dropped to 57% for men aged 35 to 44 and 35% for men over 44.

For women, however, financial infidelity peaked at a slightly subsequently age. Just under one-half of women under 35 admitted to financial infidelity, but the number climbed to 55% for women aged 35 to 44. The per centum fell off more gradually among older women, failing to 41%, 35%, and finally 22% with each additional decade.

Reasons for Fiscal Infidelity

People keep financial secrets from their partners for a variety of reasons. Nearly oft, they're simply trying to avert getting into a fight over coin. Sometimes, however, concealing money matters can be a symptom of a deeper problem in the relationship, such equally fear or lack of trust. In other cases, the spouse who hides coin is doing and then to encompass upward something else, such as addiction or a sexual affair.

one. Alien Goals

The near mutual reason people give for keeping coin secrets from their partners is to avoid conflict. Over 40% of respondents in the Safe Home survey said their master reason for lying nearly finances was "fright of starting an statement." In the NEFE survey, 30% of respondents said they didn't tell their partners nearly something because they "had discussed finances with their spouse/partner and they knew they would disapprove." Another 15% said they hadn't discussed finances but notwithstanding feared their partners would disapprove.

On the face of it, trying to avoid a fight with your partner seems like an innocuous reason for a lie. However, the fact that yous have to prevarication to avoid a fight is a sign that somewhere, at that place's a basic conflict betwixt the two of you over how you lot utilize coin. Sonya Britt-Lutter, a fiscal expert interviewed by CreditCards.com in 2018, says this kind of money behavior often "boils down to a divergence in values" betwixt partners.

For instance, mayhap ane spouse wants to keep spending lots of money on clothes or dining out the mode they did when they were single, while the other wants to save every spare penny for a down payment on a house. Maybe the spending spouse doesn't really want to buy a business firm nevertheless, or they just don't want to requite up their clothing upkeep for it. The best fashion to avoid fighting about money in this case would be for the ii partners to sit and talk well-nigh their priorities. They could then piece of work out a compromise that would allow them both to put some money toward what they want most.

However, sometimes a talk like this seems then overwhelming that the spending spouse decides to dodge the upshot by spending as usual without telling their partner. They hide their new purchases in the dorsum of the closet or fib nigh how much they spent on them. That puts off the conflict for a petty while, just sooner or later on, the saving spouse is bound to observe at that place'due south much less money left at the end of the month than at that place should be. The spending spouse ends up in hot h2o non just for frittering away their money, merely likewise for lying about it.

2. Embarrassment or Guilt

In other cases, partners exercise share the same values when information technology comes to money, but one partner is much better than the other at living up to those values. For instance, perchance both partners have agreed that they want to buy a business firm, just i of them is having trouble sticking to this goal. This partner keeps blowing the money they should be saving for a downwards payment on impulse buys like a new pair of shoes or a set of golf clubs. Subsequently, they experience ashamed of their irresponsible spending, so they conceal the purchases from their partner.

Guilt or embarrassment can also lead to more extreme forms of coin deception, such every bit covering up debt. If you've racked up thousands of dollars in credit carte du jour debt for purchases you now encounter as pointless, information technology's embarrassing to admit this behavior to a partner or potential partner. It'due south even worse when y'all know your reckless spending in the past is holding y'all and your partner back from reaching your shared goals for the future. This embarrassment turns to guilt, making information technology even harder to own up to your mistakes.

This type of money deception isn't as prevalent as simple conflict avoidance, but it's even so fairly mutual. In the NEFE survey, almost 1 in four respondents said they had hidden money matters from a partner because they were "embarrassed or fearful" about their finances.

3. Addiction

Sometimes, the reason one partner fears that the other won't approve of their spending isn't the corporeality of money involved; it's what they spent that money on. People may hide their spending because they're trying to encompass up a costly bad habit, such equally excessive drinking, gambling, drug use, or a shopping habit. A gambling addict, for example, could sit upwards all night playing online poker with a hugger-mugger credit carte, while a shopping addict may smuggle dwelling new purchases curtained at the bottom of a bag of groceries.

Of form, hiding a problem doesn't finish information technology from being a problem. In fact, it often makes matters worse by stacking debt and charade on elevation of the physical, mental, and emotional toll of addiction. In "How to Sleep Lone in a King-Size Bed," Theo Pauline Nestor writes about discovering that her hubby had been gambling in secret for years and had accumulated thousands of dollars in debt. Devastated by the years of lies and terrified of losing her house, she divorced him, all over a problem they might have been able to work through if he'd told her nearly it sooner.

In other cases, it's not the aficionado but their partner who ends up committing fiscal adultery. The spouse of a drug or gambling addict sometimes hides income in a secret business relationship to proceed it out of the hands of the addicted partner. They fear, sometimes with good reason, that if they don't keep this money subconscious, their spouse will accept it all to feed their habit.

4. Resentment

Fiscal adultery can also be a symptom of distrust and resentment in a human relationship. Information technology often stems from income inequality in a marriage – that is, i spouse earning much more than money than the other. Sometimes, the spouse who earns more resents having to pes the bills for the other i, particularly for things the higher earner considers luxuries rather than necessities. This resentment can lead the higher-earning spouse to spend money in secret in an attempt to "even the score."

In other cases, information technology's the lower-earning spouse who feels resentful considering the higher earner is as well decision-making. The higher earner thinks that making more coin gives them the right to make all the decisions most spending information technology, forcing the lower-earning spouse to account for every penny they spend and taking them to task for any expense the higher earner considers as well frivolous. The lower earner gets back at them by finding sneaky ways to hide spending, such as maxim the coin they spent on a salon visit went to pay the gas bill.

In other cases, partners engage in "revenge spending" over things that have zilch to practice with money. For instance, if you're mad at your spouse over a by affair or dissatisfied with your sex life, yous could spend coin in clandestine every bit a way of getting dorsum at them.

Whatever the cause, revenge spending is a sign of an unhealthy dynamic in the relationship. To accost this kind of fiscal infidelity, both partners need to get their feelings out into the open, mayhap with the help of a couples therapist, to root out what'due south actually causing problems in the relationship and how to address them.

five. Affairs

In some cases, financial infidelity and sexual adultery go hand in paw. People who are cheating on their spouses usually endeavor to comprehend upward evidence of the affair, and that means hiding telltale expenses such every bit hotel bills, gifts, and travel. They may effort to pass off these costs equally business organisation expenses or open a secret account to continue them hidden.

In the case of the super-rich, spending on affairs can be incredibly extravagant. Chemtob relates the story of a hedge fund manager who kept a mistress for five years and spent over $twenty,000 a month on her. He bought her a business firm, a auto, and lots of expensive jewelry, ultimately calculation upwards to millions of dollars – all without his wife'south knowledge.

An affair tin also lead to financial adultery if ane partner starts contemplating divorce. For instance, a husband who intends to go out his wife for his mistress might program ahead by opening a secret business relationship and stashing a portion of his income there. That way, his wife won't know about those avails, then she won't endeavour to seize them in the divorce settlement.

6. Fear

Perhaps the most serious reason couples muffle money matters from each other is out of genuine fear. For instance, a wife could hibernate her spending from an abusive husband for fear that he volition hit her. Even so, fear of a partner's reaction doesn't always hateful fear of direct physical damage. For instance, a husband who has lost his job could become to bully lengths to hibernate that fact from his wife, fearing that she'll leave him if she finds out.

No matter the reason for it, fear is ever a sign that there's something seriously incorrect with the relationship. It shows that, deep downwards, you don't trust your partner to treat you decently. Couples in this situation need counseling to bargain with both the financial infidelity and the fearfulness and distrust backside it.

Issues Caused by Financial Infidelity

Financial infidelity can be just equally harmful to a relationship as sexual infidelity, if not more so. In the NEFE survey, 38% of respondents said they'd had a fight over financial deception in a relationship. Well-nigh 30% said financial infidelity had damaged trust in the relationship, and 25% said it had led to separation or divorce. In the 2018 CreditCards.com survey, 31% of respondents said fiscal adultery was worse than having an affair.

Financial adultery hurts couples in two ways. The commencement prey is trust. In a relationship, people have to exist able to count on each other, and that's not possible when one partner is lying or hiding of import information from the other.

Dishonesty is a problem that cuts both means. When you hide fiscal matters from your partner, yous're showing that, on some level, you don't trust them plenty to be honest with them. Sooner or later, the deception is bound to come out, and when it does, your partner won't trust you, either.

2nd, when the charade has to do with coin, information technology has financial consequences of its own. Even small-scale deceptions, like a few underground purchases, can cause your household budget to neglect. When you lot're trying to get past on a tight budget, information technology's important to know exactly where every dollar is going, and there'southward no way to do that when ane partner is making secret purchases.

Larger-calibration deceptions, similar undercover accounts, can become a couple into even deeper trouble. For instance, if one partner has accumulated large amounts of debt without telling the other, you might have to greenbacks out a 401k to pay for it, sacrificing your chances of a comfy and happy retirement. The damage done by a financially unfaithful spouse tin can persist even if the marriage ends. Ryan relates the story of a client whose married man damaged her credit rating by opening several undercover credit bill of fare accounts in her proper noun besides every bit his own.

Nestor, the financial infidelity victim who turned her experience into a book, told Forbes that learning about her husband'southward gambling debts "felt similar finding out near an affair," only in the long run, it was really worse. When a spouse cheats on you, you tin can always walk abroad from the marriage and go on with your life. But with financial infidelity, Nestor says, "you lot take to live with the effects for nevertheless long it takes to dig out of the hole."

Preventing Fiscal Adultery

The best way to continue financial infidelity from harming your relationship is to put a end to it before it starts. Here's what experts recommend to keep both your relationship and your bank balance healthy.

1. Communicate

Experts agree that the key to fugitive fights about money is articulate communication. Newly married couples should sit down and talk out all the details of their financial life, from bank accounts to long-term financial goals. In fact, many experts, including Britt-Lutter and Ted Brook, head of the NEFE, say the best time to have the coin talk is before you're married or even living together. That mode, you can be sure y'all agree on your bones priorities – what yous want to spend money on and what you want to salvage for – before you combine your finances.

An important part of this process is to set a household budget together. Look at how much coin you earn between the two of yous, and so work together to set targets for how much you want to spend on hire, food, and other bones needs. Too, make up one's mind how much you want to set up aside each calendar month in savings to put toward your long-term goals. Making your budget together ensures that you lot both know where y'all stand up financially and helps you lot stay on runway toward your goals.

Later on you lot've had that one big "money talk," don't assume the conversation is over. Your financial situation tin change over time, and then can your goals, and so to make sure you lot stay on the same page, proceed to hash out your finances regularly. You can schedule a weekly "coin coming together" to go over your finances or bring up the topic on an ad hoc ground whenever there's a change in your state of affairs. That style, you'll be making your financial decisions every bit a team.

2. Share Responsibility

Some other tip experts offer is to make sure both partners are involved in taking care of their joint finances. That style, they both stay aware of how much money they have, where it comes from, and how they're spending information technology.

Sharing responsibleness doesn't necessarily mean yous have to merge all of your accounts. Experts offer several other ways to keep both partners involved:

Share Business relationship Information. If you don't share a bank account, you lot can still share bank account data. That way, both partners can go along track of all the money that comes in and goes out. You can practise this by giving your partner the password to your online banking company business relationship or by using a service like Mint, which tracks fiscal transactions for you. Giving your partner access to your cyberbanking information is proof that you trust them and that they can trust you.
Use Alerts. Another mode to go along your partner in the loop is to set up up alerts on your online bank account. That way, both partners will be notified whenever there's whatsoever unusual activity, such equally a withdrawal or deposit that'south over a sure corporeality. Not only does this allow yous to keep an middle on each other's spending, it makes it easier to catch bogus transactions and prevent identity theft.
Pay Bills Jointly. When the household bills come in, keep both partners involved in paying them. This guarantees that both of y'all will go a take chances to expect at the bills and see if they enhance any blood-red flags. You can prepare aside a weekly "neb night" to sit downwardly and go through all the bills together, or y'all can take turns paying them each month. You can also take one partner be in charge of paying the bills but take them write down the amount of each 1 somewhere both partners can run across information technology, such as a family bulletin board.
Allow Some Individual Spending. Several experts agree that it's important for both partners in a couple to have some coin of their own to spend. That way, they don't have to debate over every unmarried purchase. I way to practise this is to prepare iii accounts: "yours," "mine," and "ours." Each partner tin can spend freely out of their own account, while the articulation account is for handling shared household expenses. If you adopt to share all of your accounts, y'all can add together a couple of lines to the household budget for "mad money" for each partner. This is a specific sum that you can spend each calendar month on whatever you like, no questions asked.

3. Accost Problems

Fifty-fifty if you're completely honest with each other nigh your finances, there's no guarantee that you'll never run into money trouble. Problems like a task loss, high medical bills, or other unexpected expenses can happen to anyone.

The good news is that, when your finances are an open up book, it'due south much easier to deal with issues similar these together. Instead of making your issues worse by trying to hide them from each other, you can face them head-on and bargain with them right away. The sooner you tackle small problems, such equally a gap in your upkeep or an unpaid balance on your credit cards, the easier it is to keep them from turning into big problems.

Dealing With Financial Infidelity

Recovering from fiscal infidelity takes a lot of work from both partners. Notwithstanding, if y'all're truly committed to each other, it is possible to get through it. Here's what experts recommend to help couples rebuild trust and possibly even come out stronger than earlier.

1. Admit the Trouble

In that location are several warning signs that a partner could be cheating on yous financially. You might discover a receipt or a beak for a buy you didn't know almost, or yous might notice that bills and banking concern statements are disappearing from the post. Your partner's behavior can as well tip you off. Some people become defensive and reluctant to talk about money, while others suddenly start spending a lot more or a lot less.

If you suspect your partner of financial infidelity, start by gathering the evidence y'all've found and showing it to your partner. Effort to do this in a way that doesn't sound like a personal assault, which could cause your partner to panic and deny everything. Instead, say you're worried and just want to empathise what'due south going on and why. Approaching the problem with concern, rather than anger, is the best way to get at the truth.

If you're the partner who's cheating, you have to ain up to your mistakes – and the sooner, the better. Yes, your partner will probably to be aroused with you lot, simply the longer you lot cover up the problem, the madder they'll be when they find out.

Choose a moment when you and your partner are both calm and non-stressed to bring upwards the trouble. Come clean about what you lot've washed only every bit you would near an affair. Instead of trying to justify or brand light of your indiscretions, make information technology clear that y'all have them seriously and you want to do whatsoever it takes to win back your partner'south trust.

2. Sympathize the Root Cause

Financial infidelity is oft a symptom of a trouble somewhere else in the human relationship. Sometimes, the cheating partner hides money because they experience the other partner is irresponsible. Sometimes, they're trying to suspension complimentary of a partner who's also decision-making. Maybe you and your partner don't share the aforementioned financial goals, or maybe one of you is contesting a more than serious problem, such every bit addiction.

Uncovering and dealing with the problems that led to the infidelity is just every bit of import as dealing with the results. If you lot don't address the root cause, it will only lead to further problems downwardly the road. So, when you take "the talk" with your partner, do your all-time to get all these problems out into the open up. Then you can look for ways to address all of your issues – personal and financial.

iii. Seek Professional Help

Sometimes, the reasons behind financial infidelity aren't obvious. In these cases, talking to a counselor, by yourself or equally a couple, tin can help you go to the root of your beliefs and figure out how to deal with it.

Which blazon of counselor yous need depends on what you believe is behind the problem. A couples therapist or matrimony counselor tin can help you deal with issues in the relationship itself, such equally different values or a power imbalance.

Other bug have more to do with the cheating partner's own attitudes and beliefs about coin. Seeing an individual therapist can assist the cheating partner uncover deep-seated issues, perhaps dating back to childhood, which affect their finances. If the adulterous arose out of an addiction, such as a shopping or gambling habit, it'south best to see a doctor or therapist who specializes in dealing with this type of result. Support groups can as well assist with this problem.

Professional help can be useful for dealing with the financial effects of cheating as well. For instance, if one partner has piled upward a lot of credit card debt, a credit counselor can assistance you work out a plan for paying it off. Other types of financial professionals who could assist you lot recover include financial planners and money coaches. They tin brainwash you nigh how to manage your money meliorate in the future and so you don't make the same mistakes again.

4. Rebuild Trust

Financial adultery is, in essence, a breach of trust between partners, and a central part of recovery is finding a mode to restore that trust. Experts say that one important footstep is to be completely open about your finances from now on. Allow your partner to examine every receipt, credit bill of fare statement, and bank statement at whatsoever time.

Some other thing that tin help is working out an understanding with your partner nearly exactly what is and isn't adequate. For instance, y'all could agree not to brand any purchases over a certain dollar amount without discussing them with each other. Yous could likewise promise to concord all of your accounts jointly from now on or to consult each other before opening a new account. Put your agreement in writing so that both of y'all are completely articulate on what it requires.

No matter what steps you accept, it will take some fourth dimension for the human relationship to return to normal. The adulterous partner will need time to modify their harmful money habits, and the victim volition need time to learn to trust them once more. Be as patient equally you can with each other and requite your new financial habits fourth dimension to work.

Final Give-and-take

Financial infidelity isn't always articulate-cut. Sometimes, partners simply don't agree on how much of their financial lives should be open to each other. For case, one partner may think they should always consult each other before making whatever purchase over, say, $100, while the other sees no problem with spending $500 or more without telling each other. Or maybe ane partner thinks the couple should share all their money equally, while the other believes it's important for each of them to accept some accounts of their own.

Experts stress that there'south nothing wrong with keeping some coin matters individual, as long as that'due south what both partners want. That'southward why it's of import to talk openly with your partner about your money, including your financial goals, your upkeep, and how you look to divide upwardly your income and expenses. When you're both clear on what you lot await from each other, you're less likely to fall into the habit of keeping piffling money secrets that can plough into big ones down the road.

Take you e'er lied to a partner well-nigh money? Has your partner ever lied to yous about it?

Source: https://www.moneycrashers.com/lying-spouse-financial-infidelity-marriage/

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