Break the [wounds + unawareness] cycle and guard your descendents

Resolve "Money" Conflicts
 With Step-Relatives
- p. 1 of 2

Clarify and Resolve the Real Disputes

by Peter K. Gerlach, MSW
Member NSRC Experts Council

colorbar.gif (1095 bytes)

  • home > site overview > site map, directory, or search > Q&A, Solutions index or article, or other page > here

The Web address of this two-page article is http://sfhelp.org/Rx/kin/money.htm

        This is one of a series of non-profit Web articles suggesting solutions for common divorcing-family and stepfamily relationship problems. This Solutions sub-series focuses on solving common problems between step-relativesThis gives perspective on this non-profit divorce-prevention site, and ideas on how to best use it. The ideas here aim to augment, not replace, other qualified professional counsel.

        The "/" in re/married and re/divorced notes that it may be a stepparent's first union. Co-parent means any caregiving adult in a nuclear stepfamily.  Following any link will open a new browser window or a summary popup, so please turn off your popup blocker or accept popups from this non-profit site.

        Before continuing, reflect - why are you reading this - what do you need?

+ + +

        Some stepfamily research has concluded that money is the second most common stepfamily (surface) stressor, after child-raising confusions and conflicts. This article...

hilights common surface money-related disputes among steprelatives,

proposes what the underlying primary problems are, and...

illustrates practical resolution-options for these problems.

        This article assumes you're familiar with these ideas...

  • the premises underlying this nonprofit Web site;

  • an introduction to normal subselves that govern normal personalities like yours;

  • the [wounds + unawareness] cycle that may be stressing your family - slides or text

  • basic suggestions about optimizing roles and relationships among stepfamily relatives.

  • five hazards typical stepfamilies face, and the primary problems they cause;

  • options for resolving money conflicts with anyone

  Perspective

        Across eras and civilizations, money ranks with lust, religion, hunger, and freedom as a primal hu-man motivator. Money can bring power, social status, freedom, security, relief, and pleasure. Seeking or losing these can evoke the full range of intense human emotions. Acquiring and spending money are addictive to some wounded people.

        All families have financial "problems." Typical divorcing families and stepfamilies have more financial strife than intact biofamilies, because of (a) unresolved divorce issues and (b) having to merge three or more multi-generational ("extended") biofamilies with potentially very different assets and values about wealth, debts, and security. "Money problems" are part of a mosaic of family stressors within and be-tween co-parents' and relatives' homes.

        This site proposes that typical social role and relationship problems are usually surface symptoms of deeper unfilled needs. Until co-parents become aware of this and focus on co-operatively filling their primary needs, problem symptoms usually keep recurring. Let's look at some... 

 Typical Surface Problems

        See if you recognize any of these common financial disagreements among stepkin. The details vary infinitely, and the themes are constant. None of these problems happen in the same way in intact biofam-ilies:

A grandparent makes a new will, and causes hurt and resentment by leaving nothing (or less) to their stepgrandkids.

A stepmother's mom and dad deeply resent that their new son-in-law spends more money on his own kids than on his stepchild, their grandchild.

An uncle loans money to his bio-nephew for college tuition, but balks at loaning his brother's stepdaughter money for her education.

A stepfather's sister is publicly contemptuous that her brother's wife refuses to sue her ex husband for back-due child support, and that her brother won't "make your bimbo stand up for herself and her poor kids."

At year-end holiday gatherings, a well-to-do family matriarch lavishes gifts on her genetic relatives, and inexpensive token gifts on her steprelatives. She scathingly denies this, and/or shames anyone who confronts her on it.

At a large holiday stepfamily dinner, an opinionated grandfather criticizes his daughter's new husband for giving his visiting children "such a skimpy allowance."

Hostility flares between a re/married couple's four parents because one senior couple won't co-sign on a loan for the younger couple's major house repair.

Stepfamily tensions rise because an ex wife's father scornfully condemns his teen grandkids' new stepmother for "selfishly making them pay for their own car insurance."  

        What are you thinking now? How would you react in situations like these? They're just a few of the scores of silly to destructive surface disputes that can simmer or seethe between relatives. Though the details of such situations vary infinitely, there are...

Common "Money Conflict" Elements

        Two or more (usually more) stepfamily adults have a values conflict over someone's opinion, deci-sion, action, or value about...

  • Something of significant financial value to someone; causing...

  • "bad feelings" among two or more family members - i.e. mixes of confusion, hurt, resentment, guilt, shame, anger, contempt, and anxiety. These feelings...

  • temporarily or chronically polarize individual homes and the extended family into groups of anta-gonists; which...

  • causes some (a) kids to feel uneasy and "bad;" (b) mates to distance, fight, or unite; and (c) involved family members and supporters to feel "uncomfortable" to various degrees. These...

  • promote (a) avoidances, disrespects, distrusts, and phony politeness; which (b) lower family-members' motivation to form relationships; unless...

  • someone tries to "make things better": e.g. confronts the antagonists, and/or tries to mediate the financial disagreements - with or without "outside help." This can...

  • (a) reduce some or most family tensions, (b) have no effect, or (c) increase relationship barriers among family relatives.

        Does this summary match your life experience? Each of these elements can (a) increase family stress or (b) be a focus for reducing "financial" conflicts. Which family member/s would you say are responsible for (a) understanding and accepting this sequence, and (b) resolving it? 

        If some of your relatives are significantly stressed about surface "money issues," what causes them, and how can you all...


  Identify and Resolve the Primary Problems

        Premise: in situations like those above, money is not the problem. Surface stressors like these occur because two or more stepfamily members...

are unaware they're ruled by a narrow-visioned, reactive false self.  Combined with other pri-mary problems below, false-self wounds promote internal and mutual conflicts, distorted perceptions, and inhibit effective communication and problem-resolution; and/or...

ignore, discount, or dispute their stepfamily identity, and unconsciously rely on inappropri-ate biofamily expectations about roles, relationships, and money to themselves and each other; and/or they...

disagree on who belongs to their stepfamily ("Pat's ex wife's opinion about Marla's college fund doesn't count!"), and aren't motivated to resolve the hurt, resentment, and confusion that causes; and/or...

the relatives are distracted from identifying their primary money-related needs by some of these relationship barriers, and (a) they don't know that, or (b) how to reduce the barriers; and/or they...

have values conflicts about something related to money, and (a) don't know that or (b) how to resolve values conflicts effectively. The values can include opinions about how "good" (bio)family members are supposed to  earn, save, spend, invest, bequeath, share, talk about, and feel about "financial responsibility," "money" and "debts;" and/or several family members...

are caught in one or more loyalty conflicts and associated relationship triangles, and (a) aren't aware of that or (b) how to resolve these common stressors effectively together; and the conflicted relatives...

don't know how to (a) identify their respective primary needs, (b) assert them effectively, and/or how to (c) do win-win problem-solving together.

        Once family adults are aware of these primary problems, they can improve each of them over time - if their true Selves are guiding their personalities. Pause, breathe, and notice your thoughts and feelings now. If you have a specific "money problem" with some relatives now, try to imagine the problem is really one or more of these primary causes. 

Example: Resolution Options

        Jim and Linda remarried several years ago. He has two sons nine and 11 years old, and she has custody of a daughter who is five. Linda's parents deeply resent their new son-in-law consistently spending more money on his boys than on their only granddaughter - his stepdaughter.

        Linda, wants to "fix things," because she feels caught in the middle (of a loyalty conflict) and wants "family harmony." Let's also say she has acknowledged their identity as a stepfamily, and is clear on who belongs. She has read this article, and is aware of the concept of surface and primary problems. Let's also assume she's had the courage to assess herself for false-self wounds, and is working to reduce hers.

         Linda prepares to reduce this stepfamily "money problem" by...

  • acknowledging that "We all have a significant problem here," vs. repressing or ignoring it;

  • taking responsibility for seeking positive change,

  • defining the problem as "ours," rather than blaming her husband, parents, and/or herself; and she...

  • defines what she needs: "family harmony." This is a surface need.

        Next, Linda needs to learn if each of her parents, and her husband Jim, each clearly agree that they all are a stepfamily. Avoiding this step risks one or more of the four adults unconsciously using inapplicable biofamily expectations to form their judgments of each other.

        If she and Jim aren't solidly in agreement on their stepfamily identity and what it means, she can ask him to do Projects 3 and 4 with her. If they do and Jim still doesn't agree on their "step" identity, the couple has a higher-priority remarital problem than the conflict with her parents!

        If Linda and Jim do agree, her next option is to ask if he'll work with her on resolving the tension with her parents over Jim's spending preferences. If he declines or gives pseudo agreement ("Yeah, sure, Hon. What's for dinner?"), they have a marital teamwork conflict to resolve. Pseudo (ambivalent) agreements are a strong sign of false-self control.

        An essential early step here is for the couple to agree on their priorities and act on them. In my stepfamily experience since 1979, the general ranking that works best long term in non-emergencies is personal wholistic health first, (re)marriage second, and all else third. There are many point of view. What's yours? 

        Jim and Linda honestly comparing their basic priorities will probably expose any loyalty conflicts they have. Such conflicts usually cause divisive relationship triangles. Discerning these stressors is much less likely if one or both are denying inner wounds and their false selves pretend to agree on their priorities to avoid scary conflict. To guard against that unconscious self- deception, Jim and Linda can do a version of Project 1 together: assess for false-self wounds and heal them.

        A standard loyalty conflict is Jim feeling trapped between pleasing Linda and her parents, his own two kids, himself, and his stepson Rick. Linda may also feel caught between her husband, her child, and her parents. The young couple must acknowledge and help each other heal these two inner and mutual conflicts before resolving the money conflict with her parents.

        Linda and her husband need to choose between (a) resolving the immediate "money problem" with her parents, or (b) the long term goal of learning how to resolve any co-parenting and stepfamily conflicts effectively - i.e. learning how to do win-win problem-solving.  

        If they choose the latter (which I recommend), the couple agrees to invest more preparation time in Project 2: learning and tailoring the seven communication skills that promote effective conflict resolution. Doing this greatly raises their odds for finding workable compromises with each other, their kids, and Linda's parents about the spending issue. They may tell her parents and their kids what they're doing, and why.

        Learning these skills will empower Jim and Linda to form effective strategies to master three stressors before meeting with her parents: values and loyalty conflicts, and associated relationship triangles. All three are contributing to the current dispute over "Jim's unfair spending habits." Learning how to handle these inevitable stepfamily stressors is part of co-parent Project 9.
 

Linda needs...

  • to respect herself, Jim, and her parents - and feel respected by each of them;

  • to get out of the middle between Jim, her parents, and her daughter by problem-solving with the adults;

  • to feel Jim respects her daughter as much as his two sons;

  • to have her parents accept and approve of Jim, and release their resentment; and...

  • to release the guilt, frustration, and anxiety she's been feeling about this complex stepfamily situation.

Jim needs...

  • to feel respected by himself, Linda, and his in-laws, and to genuinely respect them.

  • to relieve the divorce- guilt he feels for his sons' losses and pain.

  • to avoid more conflict with his ex-wife over child support and co-parenting.

  • to please ("be liked by") his kids and his stepdaughter Eva.

  • to protect and strengthen his marriage

  • to not let stepfamily conflicts distract him from work goals and responsibilities.

Note: for brevity, this outline omits the couple's opinions of what each of their three kids need. Filling these needs together can significantly increase the "family harmony" that Linda and Jim seek, and shape the compromise they hope to reach with Linda's parents.

        This example also omits another major real-life factor: how Jim's sons and both ex mates  feel about Jim's preferential spending. An option is to use the process outlined here with each ex mate, if they have a significant "fairness problem" with Jim and money. In typical stepfamilies there is a web of concurrent finan-cial conflicts within and among the three or more co-parents... 

        Now the partners are ready to invite the senior couple to do some problem solving with them, toward reducing the tensions from their resentment of Jim's spending behaviors. A first step is to get clear on what Jim and Linda each really need. This step can be challenging until the couple gets the hang of it! Their (partial) "needs lists" might look something like this:

        When the couple is clear on their own and each other's real (vs. surface) needs, they're ready to assert them to Linda's parents, and learn what each of them need.
 

      Inner and mutual problem-solving is effective when everyone (a) clearly understands what each per-son needs, (b) values each other's needs equally, and (c) makes the time to brainstorm as teammates and find a compromise that fills enough of their respective primary needs.

        Linda asks her parents for time to meet with her and Jim. She and her husband agree to help each other (a) focus on getting the older couple's agreement to problem-solve, and to (b) listen empathically to each other without over-reacting and bringing in other problems. This vital step is easy to overlook when emotions are high.

        It helps to start an initial conflict-resolution meeting by setting the goals and some ground rules. Here, this might sound like Linda saying to her parents "We're here to ask your help. I know you've felt uncomfor-table about Jim spending more on Jason and Alex (his kids) than on Melissa." 

        "Jim and I want to talk with you about that now, to learn what you need, and ask you to understand what we each need. We want to listen, and hope you'll try to hear our (vs. "my") side too. We want to do some win-win problem-solving. 

        If this is new behavior, her parents may...

  • warily agree;

  • feel confused, guilty, "accused," and defensive;

  • deny there's any problem;

  • change the subject,

  • "stone wall," or...

  • withdraw.

One or both may blow up and attack, or raise other problems (defocus). If Jim and Linda have studied the seven skills, they know how to react to each of these respectfully and stay focused together. Doing this requires that the partner's true Selves are guiding their personalities.

 

Continue with options for reducing these primary problems...
 

<<  Prior page  /  Add to favorites  /  Print page  /  Email this article's address  >>

colorbar

 home  /  site overview  /  directory  /  site map  /  Q&A  /  quizzes  /  solutions  /  site search  /  glossary

  research  /  free course  /  guidebooks  NEW  forums resources  /  feedback  and/or  subscribe  * copyright info

Updated  October 28, 2008