How to Money Talk About Money Without Fighting w/ Dr. Sonya Lutter #1100
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Feb 11, 2026 Dr. Sonya Lutter, a marriage therapist and financial planner who leads Texas Tech’s Financial Health & Wellness program, joins to unpack money and relationships. She explains financial therapy, how stress distorts money decisions, signs to watch in partners, scheduling calm money talks, spender versus saver dynamics, transparency and joint accounts, and the damage of financial infidelity.
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Finance Plus Therapy Is A Whole-Person Fix
- Financial therapy blends technical financial planning with emotional and relational work to solve money problems holistically.
- Sonya Lutter co-founded the Financial Therapy Association to normalize money conversations across families and couples.
Match The Expert To Your Need
- Choose a financial planner when you have clear goals and want long-term, implementation-focused help.
- Use a financial counselor for immediate budgeting help and a coach to define goals; see a financial therapist when past issues block progress.
Perception Often Masks Financial Reality
- People often misjudge their financial wellness; some feel fine but are objectively at risk and vice versa.
- Misperception prevents action, so showing objective data and future impact helps trigger change.
