Money Matrimony

Hosted by Hayson & Nikki Lo

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May 2026

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About the show

Do you and your partner have arguments about money? Is discussing finances a challenge in your relationship? Do you find yourselves earning and spending without a clear direction? Want to achieve financial freedom but don’t know where to start? Welcome to Money Matrimony, the podcast where we, Hayson and Nikki, a husband and wife duo, explore the intersection of love, life, and finances for couples. In each episode, we'll share our own experiences, lessons learned, tips & tricks and candid conversations about money and relationships. From budgeting, saving strategies to navigating complex relational & financial decisions like starting a family to discussing prickly questions like income disparity. We hope that through this podcast we can create a safe space for all of us to learn, grow and be inspired and in turn have a healthier relationship with money and ultimately a healthier relationship with our partner. Tune in every second Wednesday for a new episode as we dive deep into topics that will help you and your partner get on the same page about one of the toughest topics you will face together. ----------------------------------------------------------------------------------------------------------- Follow us at Instagram https://www.instagram.com/the.moneymatrimon y Facebook https://www.facebook.com/themoneymatrimony Linkedin https://www.linkedin.com/company/the-money-matrimony Hosted on Acast. See acast.com/privacy for more information.

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June 16, 202633 min

Episode 35 - What 2 Years Of Podcasting Taught Us

Episode 35 - What 2 Years Of Podcasting Taught UsWhat Talking About Money Did To Our MarriageTwo years ago we sat down with a microphone and a question: why aren't couples talking about money? Today, we're marking our second anniversary by turning the lens on ourselves.In this episode, Nikki and Hayson get personal about why Money Matrimony started, what they've had to unlearn along the way, and the listener stories that have made this community something truly special. They also share what's coming in Year Three — including some episodes they've been too nervous to do until now.If you've been part of this community from the beginning, this one is for you. And if you're new — welcome. You're in the right place.Key Takeaway:Why money conversations in relationships are still so rare — and what it costs couples when they stay silentThe misconceptions about money and relationships that Hayson and Nikki have had to revise through making this showWhat listener stories have revealed about the real impact of having these conversationsThe topics coming in Year Three — including the ones that made them nervous*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

May 7, 202644 min

Episode 34 - What Do We Owe Our Children .. and Our Parents?

Episode 34 — What Do We Owe Our Children — and Our Parents?Inheritance. Ageing parents. Entitlement. Responsibility.Few family conversations carry more emotion — or more unspoken expectation — than money across generations.Should parents leave an inheritance?Should children expect one?And what happens when ageing parents need financial support later in life?Most families never clearly talk about these questions.But silence doesn’t remove expectations.It just hides them.And hidden expectations around money eventually become pressure, resentment and conflict.In this episode, we unpack the tension between honour and obligation, provision and entitlement, wisdom and guilt — and what Scripture actually says about legacy, responsibility and family.Because legacy isn’t just about what money you leave behind.It’s about the maturity, values and clarity you pass on.In This EpisodeWe discuss questions like:Should parents leave inheritance to their children?Why inheritance should never become an expectation?The danger of entitlement across generations?What the Bible says about honouring parents financially?Supporting ageing parents without destroying your own family stability?Why silent expectations fracture marriages and siblings?How to have these conversations before crisis forces themKey TakeawayDon’t build your life assuming money is coming.If inheritance comes, receive it with gratitude — not entitlement.Raise children who are capable before they are comfortable.And honour parents with wisdom, not guilt.Because maybe legacy isn’t about how much money moves between generations…But about the kind of people we become along the way.*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

April 2, 202635 min

Episode 33 - Financial security: when enough is enough

Episode 33 - Financial Security: When enough, is enoughIn this episode, we explore financial security not necessarily through the lens of a monetary amount, but rather through ‘feelings’. We discuss how ‘enough’ is not an end goal that one achieves to reach but a state of emotional confidence and peace that is supported by preparedness and aligns with your financial reality and the importance navigating that as a couple.Some key ideas we explore:How financial security and what is enough changes depending on the season of life you’re inHow lifestyle creep quietly undermines security, even as income increasesWhy shared “no’s” are just as important as shared goalsPractical, real-life examples of what “enough” can look likeHow couples can get on the same page with each other, not against each otherGuardrails that help protect security and enough over timeAt the end of the day, security grows when couples are more aligned emotionally and practically, so here are some conversation starters to help you both if you want to keep the conversation going or started, try asking each other:What does financial security mean to you?What helps you feel safe and what triggers anxiety around money?What does “enough” look like for this season of our lives?What financial situations do we never want to repeat?Does this expense move us closer to security or just comfort?You don’t need perfect answers, just shared language and be a good and active listener!*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

March 18, 202638 min

Episode 32 - Money Boundaries: Why and how it creates freedom in a relationship

Episode 32 - Money Boundaries: Why and how it creates freedom in a relationshipMoney boundaries can sound burdensome.Like rules, we immediately think of restriction. Less freedom.But in our experience, the opposite is true.When money boundaries are unclear, tension quietly builds; guilt around spending, surprise purchases, avoiding conversations, and resentment that’s hard to name. Not because couples don’t care, but because expectations were never clearly defined.In this episode, we unpack what money boundaries really are, why they matter in a relationship, and how… when built together with respect; it doesn’t restrict your life but can actually give you room to breathe.We talk about:What money boundaries are (and what they’re not)Why most money conflict isn’t about numbers, but about differing expectations and emotional safetyWhat happens in relationships when boundaries don’t existWhy boundaries are often misunderstood as control instead of protectionHow healthy boundaries reduce anxiety, resentment, and distrustThe key categories of money boundaries every couple should considerWhether you’re just starting to talk about money or trying to untangle ongoing tension, this episode is about creating clarity that protects both your finances and your relationship.*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

March 3, 202633 min

Re-release | Must-Listen: Budgeting 101 – The What, Why & How (Part 1 of 4)

Re-release | Must-Listen: Budgeting 101 – The What, Why & How (Part 1 of 4)As the new year approaches, many couples resolve to “be better with money.”And yet, year after year, one reality remains: many people still don’t have a budget.This is one of our most popular episodes, and for good reason.In this first part of our Budgeting 101 series, we break down what a budget actually is, why it’s essential, and how to start one in a way that’s realistic, flexible, and life-giving — not restrictive or overwhelming.If 2026 is the year you want clarity, confidence, and intentionality with your money, this episode is where we recommend starting.In this episode, we cover:What a budget really is (and what it’s not)Why budgeting matters for individuals and couplesCommon myths and fears around budgetingPractical steps to start your first budget*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

February 17, 202638 min

Re-release | Must-Listen: Budgeting 101 – Obstacles to Budgeting With Your Spouse (Part 2 of 4)

Re-release | Must-Listen: Budgeting 101 – Obstacles to Budgeting With Your Spouse (Part 2 of 4)Once you’re convinced you need a budget, the next challenge is doing it together.As we head into the new year, we’re re-releasing this episode because budgeting as a couple is rarely just about numbers — it’s about communication, expectations, control, and shared responsibility.In this episode, we talk honestly about the common obstacles couples face when budgeting together and provide practical tools to navigate those challenges. Our goal isn’t perfection — it’s partnership.Because the healthiest budgets are the ones both spouses understand, contribute to, and own together.In this episode, we discuss:Why budgeting together can feel difficultCommon conflict points between spousesHow to move from “my money” to “our money”Tools to build shared ownership of the budget*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

February 3, 202635 min

Re-release | Must-Listen: Joint Accounts – Bridging the Divide

Re-release | Must-Listen: Joint Accounts – Bridging the DivideAs we head into a new year, we’re re-releasing what we believe is one of the most important money conversations for married couples.This episode isn’t really about bank accounts — it’s about unity, trust, and how you choose to function as a team. Over the years, we’ve seen joint accounts become one of the most powerful tools for reducing financial tension and increasing transparency in marriage, yet it’s also one of the most debated topics.In this episode, we explore why joint accounts matter, the fears and objections couples often have, and how shared finances can actually strengthen your relationship rather than create conflict.If your New Year intention includes deeper alignment, fewer money arguments, and a stronger sense of “us” when it comes to finances, this episode is a must-listen.In this episode, we cover:Why money division often creates relational distanceThe real purpose of joint accounts in marriageCommon concerns couples have (and how to work through them)How shared finances can build trust and teamwork*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

January 19, 202620 min

Re-release | Must-Listen: Money & Me (Part 1)

Re-release | Must-Listen: Money & Me (Part 1)Before you set financial goals, build a budget, or make plans for the year ahead, there’s one crucial step most couples skip: understanding each other.That’s why we’re re-releasing this foundational episode as you begin the new year.In Money & Me, we unpack how our personal money stories — shaped by childhood, culture, experiences, and past wins or failures — influence how we think, feel, and behave around money today. These stories quietly shape every financial decision we make as individuals and as couples.In this episode, we explore:What a “money story” is and how it’s formedWhy couples often clash over money without realising whyHow understanding each other changes the way you plan and budgetWhy awareness comes before action*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

December 2, 202519 min

Episode 31 — Is It Worth It? (Part 2) Family Holidays & Grocery Shopping

Episode 31 — Is It Worth It? Family Holidays & Grocery ShoppingIn Part 2 of our “Is It Worth It?” mini-series, we take on two everyday decisions that every family wrestles with:🏖️ Family holidays — memories vs money🛒 Online vs in-person grocery shoppingThis episode explores how couples can balance joy, time, convenience, and financial goals when making decisions that feel small but add up in a big way.Together, we unpack:✨ Family Holidays — Are big trips worth the money? Do kids actually need them, or is it about the memories we think we should create? What’s the real cost of not taking a break as a family?✨ Online vs In-Person Shopping — Which one truly saves money? Which one saves time? And which one saves our sanity?What you’ll hear in this episode:Why we often equate “good memories” with expensive tripsThe mental load of dragging kids through the aisles at the shops vs the temptation of online impulse buyingHow to evaluate what’s worth it based on your values, not expectationsThe decision-making questions we use as a couple to find our middle groundIf you’ve ever debated whether a holiday is “worth the cost,” or wondered why your grocery bill blows out online and in store, this episode will help you navigate those choices with more clarity — and zero guilt.🎧 Tune in and discover what’s actually worth it for your family.*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.

November 18, 202524 min

Episode 30 — Is It Worth It? (Part 1) Subscriptions, Eating Out & Private Schools

Episode 30 — Is It Worth It? (Part 1) Subscriptions, Eating Out & Private SchoolsIn this episode, we dive into the everyday decisions couples face and unpack the real question behind them: How do we decide if something is truly worth it for our family?From the streaming subscriptions we forget to cancel, to whether eating out is convenience or comfort, to the massive long-term decision of public versus private schooling — we explore not just the cost, but the why behind each choice.Together, we break down:✨ Subscriptions — Are Netflix, Spotify & all the others adding value, or just adding guilt?✨ Eating Out vs Cooking at Home — Is it about saving money, saving time, or saving our sanity?✨ Private Schooling — Do the opportunities justify the fees? What about convenience, academics, and family values?What you’ll hear in this episode:The hidden psychology behind everyday spendingHow we personally evaluate “value” as a coupleThe difference between cost, convenience, and emotional payoffWhy what’s worth it changes depending on your season of lifePractical questions to help you and your partner decide what works best for your familyIf you’ve ever wondered, “Should we keep this subscription?” or “Is private school really worth it?”, this episode will give you both sides — without judgement.🎧 Listen now and start redefining what ‘worth it’ looks like in your home.             *****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast. Hosted on Acast. See acast.com/privacy for more information.