10.03.08 The The 1st Key for Evaluating a Prospective Partner’s Financial Readiness

1. Is Financial Discipline Practiced in Spending, Saving and Long-Term Planning?

Observe how the prospective partner handles money. Does the person spend within limits, save consistently and plan ahead or does spending increase as soon as income increases? Does the individual prepare for future needs or does financial pressure return because money was spent haphazardly instead of being saved?

Asenath must have noticed Joseph’s disciplined spending, structured saving and deliberate long-term planning. For instance, during the years of abundance, he made sure that one fifth of the produce was stored carefully in the cities, thence preserving it in great quantity for the coming famine (Genesis 41:34, 47–49; rather than allowing excesses to be consumed extravagantly. He limited current use to prevent or hedge against future scarcity and maintain stable food supply on the country.

In Bernard's story, a significant lack of financial discipline was a major red flag. He prioritised maintaining a 'posh' image and short-term pleasures, such as dining at expensive hotels and buying upgraded gadgets, over long-term financial stability. Behind the glamour of his boutique lay unpaid utilities, rent arrears and mounting debts and other essential bills that were being ignored or pushed aside.

A financially ready individual demonstrates discipline in spending, saving, planning; and making intentional decisions based on long-term thinking. Such prioritisation of financial commitments and willingness to delay gratification is crucial in your relationship. A partner who is financially disciplined makes thoughtful choices that align with your shared goals rather than emotional impulses.