Introduction: Money Fights or Money Freedom?
If there’s one thing I’ve learned from mentoring hundreds of Indian couples—it’s this:
“The problem isn’t how much money you earn. The problem is whether your money has a system.”
Most couples argue not because of money itself—but because of the lack of clarity, trust, and automation around their money.
That’s why I created the Couple Finance Formula™, and at the heart of this approach is something I call:
The 6 Richness Framework for Couples™
It’s a simple, powerful, and deeply personal way for two people to unite their financial journeys and build wealth automatically—without constant stress, friction, or confusion.
Let’s walk through the 6 pillars.
The 6 Richness Framework for Couples™
- Pay Yourself First—Together
Before you spend a rupee on bills, food, or lifestyle, you must invest in your future selves.
In our Couple Finance Formula™, the very first step is setting up automated savings and investments as soon as your salaries hit your accounts.
This includes:
• SIPs (Systematic Investment Plans)
• Emergency funds
• Short-term savings buckets (travel, child’s education, dream home)
Think of this as “investing in your goals before you pay the world.”
Even if it’s ₹3,000 a month initially, automate it. You’ll never regret starting early—but you will regret delaying.
- You Don’t Need a Big Income to Start Wealth Creation
This is one of the biggest myths I bust in my coaching calls.
You don’t need to be a millionaire to start building wealth. You just need the right mindset and consistent action.
Many couples I coach start small—₹2,000–₹5,000 monthly SIPs. But because they stay consistent and increase yearly, they grow financially faster than those who wait for the “perfect time.”
Takeaway:
• Start with what you have today.
• Commit to increasing your investment by 10% every year.
• Track your net worth as a couple and celebrate milestones.
- Discover Your “Latte Factor” as a Couple
What’s your leakage?
Most couples don’t realise how much money drips away silently—food deliveries, subscriptions, impulsive buys, social events.
I call this the Couple Latte Factor™—the small, unconscious spending habits that can rob you of lakhs over time.
Do this exercise:
• Track all expenses for 7 days separately.
• Sit together and compare where you’re spending impulsively.
• Choose 1–2 categories to reduce and redirect that money into a “Dream SIP.”
It’s not about being stingy. It’s about being aware. Your small savings today fund your bigger dreams tomorrow.
- Automate Debt Repayment—Especially Long-Term Loans
Loans don’t have to be a lifetime burden. Most couples live under the weight of home loans, car EMIs, credit card debt—without a strategy to finish faster.
Here’s how I guide couples in our sessions:
• Pay EMIs in two smaller chunks across the month (if your lender allows)
• Use bonuses to make principal part-payments
• Increase your EMI amount slightly every year
A ₹1,000 increase in EMI can save you years of interest over the long run.
Turn your debt from a stress point into a structured, shrinking commitment.
- Use Technology to Automate Financial Discipline
We live in the UPI age. So why are so many couples still operating manually, missing payments, or forgetting SIPs?
Set up your system once, and let it run on autopilot.
Also read: How to Attract More Money and Achieve Financial Freedom with a Powerful Mindset
Recommended tools:
• Auto-debit SIPs from a joint account
• Create recurring transfers for goal buckets
• Use tools like INDmoney or ETMoney to track your mutual funds
• Automate rent, EMIs, and premium payments
Remove willpower from the equation. Financial systems beat financial stress—every time.
- Stay Consistent, Not Complicated
Here’s a truth no one tells you:
The couples who become wealthy are not the ones who pick the best stocks or time the markets.
They’re the ones who stay consistent—month after month, year after year.
If you’re changing strategies every 6 months, jumping schemes, or panicking during market dips—you’re eroding your own future.
Instead, build a long-term strategy:
• SIPs for 10–20 years
• Clear insurance coverage
• Emergency reserves for 6–9 months
• A joint financial roadmap
Tip: Set a monthly money date night. Review, celebrate, and reset your goals—together.
Why This Framework Works
The beauty of this framework lies in its simplicity and partnership.
When you start handling your money with love, respect, and structure, something shifts:
• Fights reduce
• Clarity increases
• Goals feel closer
• Trust deepens
This isn’t just a system for money—it’s a system for togetherness.
Want to Start Your Journey?
If this blog made you reflect on your financial partnership, imagine what a customised 1:1 session can do.
Join my upcoming webinar:
www.CoupleFinanceFormula.in
Or book your clarity call here:
Schedule a Call with Me
Let’s turn confusion into confidence.
About the Author
Taresh Bhatia, CFP®
CERTIFIED FINANCIAL PLANNER™ | Founder – The Richness Academy
India’s leading financial freedom coach for couples and families
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Website: www.tareshbhatia.com
The author of this article, Taresh Bhatia, is a Certified Financial Planner® and advocate for female empowerment. For more information and personalized financial guidance, please contact taresh@tareshbhatia.com
He has authored an Amazon best seller-“The Richness Principles”. He is the Coach and founder of The Richness Academy, an online coaching courses forum. This article serves educational purposes only and does not constitute financial advice. Consultation with a qualified financial professional is recommended before making any investment decisions. An educational purpose article only and not any advice whatsoever.
©️2025: All Rights Reserved. Taresh Bhatia. Certified Financial Planner®
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