To love a person more than a story

To truly love a person and to be loved in return. This is the highest form of happiness that I have known in this life. Sometimes I wonder, if we all agree that love is the most wonderful thing and most of us crave true love more than anything else, then what holds us back from finding it? Even when we do stumble upon perfect love in these imperfect lives, then what prevents us from sustaining it over the long-term?

I think that true love is something that happens when two people love each other more than they love the story. Most of us have it the other way around. Even before we meet our true love, we are in love with the fairy-tale of our perfect love story. We might imagine a perfect wedding or we may plan to have two children. We might imagine the right life partner as someone who falls within a certain age range, someone who looks a certain way, is from the same part of the world, or someone who shares the same interests. In this way, we might fall in love with a love story even before we meet. Then, when we meet a real person, we tend to qualify or disqualify them based on whether they can take us down the path of our perfect story. In doing so, we often disqualify people who we might otherwise have fallen madly in love with. Worse yet, we undermine the potential of our relationships because we overlook the infinite possibilities available to us that we haven't previously imagined.

Even if we are lucky enough to find Mr. or Ms. right, even after we have had the perfect wedding and have been fortunate enough to setting into the perfect house, this is when we fall even more madly in love with the story. Now we are collecting pictures and shared memories of perfect vacations and life milestones. Now we have established rituals and routines that slowly become as familiar as the back of our hands. We have rules and expectations of each other, shared friends, and the expectations of our extended families. We have the house, the car, and the image of the happy, photogenic family to uphold. Indeed, we might fall so deeply in love with all of this that we tend to overlook the real person laying next to us in bed every night.

Love Story

But what happens when the person in bed next to you has thoughts and feelings that do not fit with the story you love? What if you have fallen so deeply in love with your story that you have forgottent to love the real person, with real feelings, messy thoughts, unreasonable dreams, and even crazy impulses that you fear might threaten everything? What if you find yourself growing apart in some ways? What if you discover that you are fundamentally different in important ways? Do you love each other more than the story, or do you block each other out to maintain the story? What if your partner doesn't behave in the way that your friends understand and approve of? What if he or she lies to your or cheats? Do you truly try to understand each other, accept the truth of what is, or do you force each other to get back in line so that you might desperately maintain the story you both love? If you love the person, why can't you just accept anything and everything about the person? This doesn't mean that you aren't allowed to feel how you do when your partner does something that hurts you, just that there are ways to express those feelings without hurting each other.

To be in love with a person is to achieve the highest form of happiness that can be found in this world. It is to know and accept someone completely, to share everything openly, to explore and grow together in complete openness and honesty. It is to be in a space where there is no friction, no power struggles, no agendas, no lies, no arguments, and no manipulation. And why do these terrible things happen in a relationship? They happen only because we love a story more than we love a person.

When a couple loves their story more than they love each other, they are willing to sacrifice each other's feelings for the purpose of the story. They don't want to hear about anything that falls outside of the boundaries of the story. They don't want to allow anything that is perceived to threaten the story. They control each other for the purpose of maintaining the story. They fight each other to coerce behaviors that support the story. They argue and debate so that they may convince each other to love the same version of the same story. They leave each other lonely, alienated, and choking in a life that leaves no room to grow, to evolve, and to experience anything that excites them. We tell each other that there are parts of us that are not acceptable. We forbid each other from exploring those parts. We take away each other's freedom to exist in this life for the simple reason that it may threaten a fucking story. So naturally, we begin to resent each other. We keep things from each other. We lie, we deceive. We cheat. Or maybe we just eat or drink ourselves to a slow death.

This is what will happen to you if you are with a person who loves your story more than he or she loves you.

To love a person is bliss. To love a story leaves us lonely and cold. To love a person is to accept and embrace every single thing about that person, unconditionally. It is to give each other so much understanding and acceptance as to feel more free, more yourself together than apart. Nothing is more wonderful in this world than for two people who find a way to give each other the freedom to be who they truly are. Remarkably, when two people love in this way, then the most perfect love story will inevitably flow from that love. It is possible to have your perfect love story, but you have to stop trying to control what that story is going to be. Just let go and try to love a person first. The story will follow and it may be even better than you imagined.  Most of us have this backwards and this is why we are miserable in our relationships. 

I would love your comments and feedback. Email me at mark@abscondoband.com.

False certainty

I have found that most people would rather live in a state of false certainty than accepted reality. The problem with false certainty is that, well, it is false. Your life is an illusion. If you cling to what you want to believe, see only what you want to see, and tell yourself only the stories that you want to hear, then you are cruising through life blindly and certain to fall. Your perceived reality has little in common with actual reality. False certainty may sustain the status quo for a while and may help you cope in the moment, but as a result you make bad decisions, miss opportunities, fail to grow and inevitably experience painful shock and surprise at every turn.

Reality can suck, but the only way you are going to make it suck any less is to embrace it, know it, and change it. If you want any real improvement, truth must be your starting point. Only when you understand your truth can you begin to respond in the ways that you care capable of responding. Here are some strategies to help you start moving in the right direction:

1) Let's start with your relationship realities. Do you embrace honesty and openness in your relationships or do you expect the people in your life to follow your rules and tell you what you want to hear? Encourage the people closest to you to tell you how they really feel about anything and everything. Ask them to be sensitive in their truths, but try to stay strong. Embrace and accept what they are telling you.

Do you really know what your kids are going through? If your normal reaction is outrage, disapproval ,or punishment, then you can be pretty sure that they aren't telling you. Do you know if your spouse is honest and faithful? If you have threatened divorce over non-monogamy and get angry when she expresses her truest, darkest feelings, then your spouse isn't going to tell you what's going on. 

Better to base your relationships on unconditional truth and acceptance and then do your absolute best not to freak out when the truth comes your way. The payoff is the bliss that comes from true closeness and the deeper sense of security that comes from knowing the truth about your relationships. It isn't easy to offer acceptance and unconditional love to the people we love most because sometimes the truth feels threatening. But the truth is the truth and it is better to know it. Besides, anything less than unconditional acceptance is something less than love.

2) Look at your financial realities. How much money do you have? Is your business really profitable? Does your job pay enough to support your lifestyle? How much debt do you actually have? Is it growing or shrinking? 

What are your goals? If you stay on the current path, are you going to do the things that you want to with your life? If not then what, specifically, are you going to do each month to make some progress?

If you are employed, then is your job really as stable and permanent as you like to believe it is? Is it not possible that your CEO is in acquisition negotiations right now and a layoff is coming next month? A job offers false certainty whereas a move to self employment may be scary at first, but ultimately offers a more certain reality that you have some control over.

3) If you are a student, do you know what to expect from your chosen field after graduation? Are you sure that you really want to continue down the current path? If not, make changes. If you are an artist or in any way creative, get honest reactions about your work. Are people loving it? If not, then knowing this is the starting point to getting better.

4) Be honest with yourself. Don't tell yourself that you are any greater or more special than you are. Also, don't believe that you are any less great or special than you are. Accept that which you actually are and start living your truth. Others will adjust.

5) What actually makes you excited? What makes you feel good to be alive and looking forward to a new day? Be honest with yourself and then do that thing. This is what nature wants you to do and there is no guilt or shame in following nature's call. This is your intuition, your calling, your destiny. Stop lying to yourself and accept the truth about what excites you.

Delusion

I hope that this post, in some small way, encourages you to become brave enough to step out of any false certainty in your life so that you may embrace what is, change what you don't like, and become what you are.

I would love your comments and feedback. Email me at mark@abscondoband.com.

Last June, at around the same time as my band Abscondo finally released our album (which all of us in the band absolutely love and I would recommend that anybody listen to), I quietly made the decision to put the band on hold. It is difficult to explain why I came to that decision because I absolutely loved what Filip, Martin, Tibor and I created.

If I were to try to explain why I made the decision to put the band on hold, it really came down to a couple of things: 1) We were playing English-language, alternative music in a small country where you really have to be a lot more commercial and mainstream to find an audience, 2) the financial burden of touring, recording, and keeping the whole thing running started to not make much sense to me, and 3) my creativity was suffering because I was spending most of my energy booking shows, dealing with logistics, and thinking about PR. Basically, it stopped being fun, it stopped being about art and music and more about image and ambition. I had a lot of fun with that band and we created something pretty great, but after 3 years it didn't feel good to me anymore and I had to follow my intuition.

In the months that followed, something beautiful happened. I started writing songs again. I started feeling that creative inspiration again. I re-discovered what it feels like to make music without ego, without ambition, without trying to be cool.

In December of last year, I put together whatever equipment I had and created a makeshift home studio in my flat. I wasn't confident that I had the skills to record, mix, and master an album entirely by myself...but I was having fun and wanted to try. Back when I was recording as band, I found the process too technical. It was all about perfection, editing everything until it was all in-time, tuning the vocals, making it sound radio-friendly...and my gut feeling is that this kind of process kills music. Most of the alternative and indie music these days is starting to sound the same as commercial music because everyone is striving to make something technically flawless. But I don't think music should be flawless. The music I love sort of just flows...it is natural...it captures the reality of a human being being human. So that's what I wanted to make -- something that sounds like how it really sounds when I play in a room by myself.

One of the things I did differently is that I recorded the vocal and acoustic guitar during the same take through two mics. Every day, as I would practice, I would record each song. I used a click-track for some songs, other songs are not even in perfect tempo. I did this for a month or two because I wanted to get really good at performing these songs. When I felt that I was playing these songs as well as I was ever going to play them, I then went back and selected the best take from all of the rehearsals. This live performance became the starting point for each song.

After that, I used a little midi keyboard and added some piano, some synth, and some string sounds. On two tracks, I used a professionally-recorded piano part that was done many years ago. For one song, I hired a drummer. Aside from this, you don't hear drums anywhere else in the album and you don't hear anybody playing anything except for me. The sounds you hear were created by me without any looping. All of the mixing, all of the effects, and even the mastering was done by me...so what you hear in the end is exactly what I, the songwriter, heard in my head when I first wrote the songs.

I love this album. It is finished and will be released very soon (as soon as I figure out the cover art). I will probably release it via Creative Commons because it didn't really cost me anything to make it and I want to share it freely.

I would love your comments and feedback. Email me at mark@abscondoband.com.

What do other people think?

The vast majority of people share precisely the same value system. It is a simple system of belief that is called what do other people think. People may call themselves Christians or Muslims, they may proclaim to be Liberal or Conservative, married or single, they may select one career or another, or they may dress differently from each other, but they are all exactly the same because their lives are controlled by a shared belief system. It is a belief system that requires everyone to project a carefully-crafted, false image of themselves to the world. It demands that we seek approval. It requires us to fit-in. It insists that we must try to be normal. We must belong to some group of people who accept us.

The problem is that the things we are expected to project are not real or meaningful things. What we project on Facebook, or in public, or in everything most of us do is just an image. None of it is real because none of it reflects the way we actually feel inside, the things we really want to do, and what we really think. The value system of what do other people think leaves us feeling trapped and lonely because so much of what we are, how we feel, even what we do in secret, is considered inexpressible. 

Followers of what do other people think are violently intolerant of anyone who chooses not to live according to this value system. If anyone in this big world of ours decides to live openly in freedom, they face the full wrath of family, friends, teachers, lovers, bosses, colleagues, and probably even the post-lady. Let us remember that these followers of what do other people think have spent a lifetime sacrificing everything for this. They have gone to church when they would rather have been making love. They have sat quietly at the dinner table when they would rather have said how they really feel. They have sacrificed their entire lives carefully crafting an image to friends, family, and to the public. This is very hard work. This is the world's dream of hell and the religion of what do other people think is how we are domesticated into it. From childhood this is what is expected of us because, we are told, everyone does it.

Now let's imagine someone comes along and says, "Well, I know this is how things have been done for 2,000 years, but it doesn't work for me." Do you think that a person listening to this...someone who has sacrificed everything for the religion of what do other people think...is he or she going to be tolerant and accepting of this person? No. If he were to accept someone who rejects the value system of what do other people think, then his entire identity and belief system will shatter. He cannot allow this to happen, and so the automatic response is to shun, to shame, to ridicule, to punish, to gossip, and to do anything and everything in an attempt to make the person once again care about the religion of what do other people think.

I believe in a different value system. Mine is based on love, acceptance, and freedom. I believe that we should all live according to who we actually are, deep inside. We should all feel free to express that which makes us unique. Our uniqueness is the meaning of your lives. To let it shine is to fulfill your destiny on this planet. Total faith in love is the only path toward happiness and everything good. It cannot be sacrificed for any consideration of what do other people think. I find it quite ironic that the value system of practicing love, acceptance, and freedom despite what other people think is perhaps the most violently hated thing in this world. But I understand the reasons for this and I accept with love anyone who decides to shun, shame, or gossip.

I would love your comments and feedback. Email me at mark@abscondoband.com.

Century of fakers

Everybody's trying to make us another century of fakers (or so goes the old song by Belle and Sebastian). We live in a world where everything fake is put on display and everything real is kept hidden. Most of us spend these short lives trying our best not to rock the boat. We shamefully hide what we really think, who we truly are, what we really like, what we actually do, and who we truly love. A few of us, either through some amount of bravery or more likely circumstance, find one day that our truths are exposed to the world. When this happens, the fakers around us are repelled into their comfort zones of self-preservation and we are left completely alone.

Do we have to be fakers to be loved and accepted? Do we have to keep our truest selves, our most real feelings, and our sacred relationships hidden from the world in fear? Must the goodness and purity that exists in secrecy always be destroyed in openness? Are the words and ideas shared in our private worlds real, or is realness only to be measured in action?

It's another century of fakers in a world where beauty, love, truth and freedom only seem to flourish when hidden in deception. When tested by reality, it almost always evaporates. How ironic and unacceptable. How sad and unfulfilling. Yet how true.

After a lifetime of faking, I am now living an honest life. The first step for anyone on this journey is self-love. Without it, there is no path forward because the path is lonely. I will continue to believe in love, starting with self-love. I hope to one day find myself on this journey with someone who is on the same path of openness and truth. Until then, I will remain grateful for all of the natural giving I have received and I will continue to love and give freely.  

I would love your comments and feedback. Email me at mark@abscondoband.com.

The poly romantic

Nothing is more romantic than polyamory. Love is nothing if not a struggle against the world and no form of love is more a struggle against the world than polyamorous love is.

Romantic love does not ask "what do my parents think?" or "is this normal?". True love seeks no approval on Facebook. Crazy, insane love cares little about practicality because it creates its own refuge in some higher place. When in love, nothing matters more than a single second spent looking deeply into your lover's eye. To be in love is to find endless bliss in a simple greeting and to feel total salvation in a tired conversation at the end of a long day. 

Please don't understand what I am saying as just some sort of lovely, romantic sentiment. I mean this literally, as truth. Real love would never ask to be proven through sacrifice, commitment or will-power. The highest form of romantic love doesn't mind taking a wrecking ball to any aspect of your life. If the force of love destroys anything, then it destroys that which must be destroyed for the purpose of good. After all, love is the highest form of truth and good. How could love destroy good? Love cannot be the cause of something bad and to believe so is to be confused about what love does and what goodness is. Negative consequences in love happens only when faith in that love is abandoned. 

To commit to polyamory is to commit to love's highest ideal. To choose polyamory is to place your total, complete faith in love. It is to live each moment open to the possibility of new love just as you continue to honor lasting love. To commit to polyamory is to face dramatic challenges, changes and consequences because you are filled with the natural strength to shrug off judgment, opinions, threats, and ultimatums. If you are poly, you are a fucking beautiful romantic and I love you for it. To be the truest romantic (to be poly) is to know (not just believe) that love is the answer. To live poly is to walk love's walk.

Poly love is love. Anything else is something less than love. Anything less is an arrangement based on conditions. Love never asks anyone to be less or to love less. I still believe in love.

LOVE

I would love your comments and feedback. Email me at mark@abscondoband.com.

Prospecting 101: why email works better than cold-calling

Conventional wisdom in sales tells us that cold-calling works better than emailing. Conventional wisdom is usually wrong.

There is a good reason that salespeople talk so loudly about cold-calling and this has nothing to do with results. Put simply, a person claiming to make 50 cold-calls per day seems more hard-working than the guy in the next cube who is busy with an email-based process. Cold-calling is loud. Everybody around you will know you are busy. So if you care more about maintaining the perception that you are a hard-worker than you do about delivering results, then by all means you should continue to live in cold-calling hell. But if you are open to a better, easier way to proactively fill your sales pipeline with great opportunities, keep reading.

If you are selling complex, high-value solutions to the enterprise and are trying to get in touch with executive-level decision-makers, then email is the most effective, efficient, and practical way to introduce your product or service. I run a global lead generation agency. We use email exclusively to arrange executive-level introductory calls and on-site meetings for our clients. Here is why our email-only strategy works better than cold-calling:

1) Email is read by everyone, even CEO's (or at least their admins).

2) Email allows you the opportunity to perfect and clarify your message and then repeat that message again and again (cold-calling requires a new performance every time).

3) Email can be easily forwarded to the right person and then responded to without any friction or effort on your part.

4) Email allows your prospect the time to think, whereas cold-calling usually illicits an automatic "no" response.

5) Decision-makers do not answer their phones to unknown numbers. If they do, they see it as a rude disruption.

6) Email allows greater reach more cost-effectively. With the right approach, you can easily reach out to ever decision-maker across your target market every quarter.

7) Cold-calling is usually done by very junior talent. When you have one shot to impress a CEO, do you want a telemarketer in India reading a script? Or would you rather have your top account executive taking a scheduled and confirmed call?

Email works. But just because email is the most effective medium for outbound prospecting, that doesn't mean it always works for everybody. Success in outbound prospecting is all about strategy and execution. You need the right message delivered to the right person in the right way. Here some of the variables you will have to perfect for success in email prospecting:

Strategy:

  • You need to identify the right target market for your products or solutions and then build a list of every company that meets your criteria (a target account list)
  • You need to understand which titles within the organization are most likely to buy and go after them
  • You need a message that distinguishes you from the hundreds of other messages in your prospect's inbox

Execution:

  • Even when you have the right strategy, you need to achieve the right volume. Successful outbound prospecting campaigns will result in introductory meetings with between 10% to 20% of your target accounts each quarter. I have seen this to be the case across industries. So if you want 10 - 20 new introductory phone calls from outbound prospecting, you go after 100 accounts. If you aren't able to achieve this result, then something is wrong with your strategy or execution.
  • You need to turn prospecting into a machine. You have to research the right contacts to build list, send emails to a set number of new accounts each week, and follow-up with second-round emails the following week in the case of non-response. You need to manage responses to that you know which accounts to continue with and which accounts to put on hold. You need to chase down referrals and lukewarm prospects week after week until they agree to a meeting. You need a system. Effective prospecting is a well-oiled machine.
  • When the introductory call finally does happen, you need the right talent on that call to establish credibility and advance the deal forward. The point of prospecting is to close deals. You (or your organization) should be able to close 1 - 3 deals out of 10 introductory calls or else you are doing something wrong in the sales process.

A world-class sales organization is one in which all of these pieces are working smoothly. In my experience working with dozens of companies to implement successful prospecting campaigns, very few organizations are getting all of these pieces right. Even when they are, they aren't consistent enough and they often aren't able to replicate results across geographies.

Check back for updates on how to craft the perfect prospecting email. In future posts, I will also share some of the specifics about how we run these highly-effective campaigns for clients worldwide. 

I would love your comments and feedback. Email me at mark@abscondoband.com.

The conflict-free family budget

According to a 2009 article by Ron Lieber, 45% of divorces are due to differences over finances. This is no surprise, considering that the majority of families don't even have a budget. According to Gallup, only 1 in 3 Americans prepare a detailed budget. Without a budget, how can you tell which partner is spending more on frivolous purchases? How can you prioritize between the husband's desire for new golf clubs and the wife's designer handbag? Without a budget, how do you know how much to save and how much to spend?

Running a family without a budget is like running a business without looking at profit and loss. Yet coming up with a budgeting system that actually works for you can be challenging. You need a realistic budget that allows you to live and isn't too much of a burden to track. You also need incentives to stick to the budget. In short, you need for life with a budget to be better than life without a budget. I have the solution.

For most of our marriage, my wife and I actually operated the business of running a family without a budget. "Just be reasonable" was the mantra, but it didn't work. Operating without a budget was a failing strategy for us for the following reasons:

  • We were spending too much. Many months we were losing money.
  • It wasn't clear who was being responsible and who was splurging (according to my wife, it I me who was splurging).
  • We were fighting about money. Worse yet, we were worrying about money.

So we came up with an ideal approach to family budgeting that has served us well for the past 6 months. I will show you exactly how to prepare a family budget you can stick to, but first I want to share the benefits we have seen with this particular budget:

  • We no longer feel any guilt or anxiety about purchases we have budgeted for (regardless of monthly income)
  • When we are profitable, we both have some amount of personal money to spend however we want without the need to explain anything (i.e. more freedom)
  • We have been able to travel to Italy, Croatia, and Florida on trips that were paid for upfront
  • We dramatically increased our income because we were more motivated
  • We saved, even as both of us have splurged like never before (guilt free)

 The results have been amazing. Now I will explain how we did it.

Budget

Figure out your basic monthly expenses

Step 1:

Go through all of your financial statements from an "average" month. Choose a month when you were not shopping for Christmas and were not taking a vacation. How much did you actually spend? You don't need to analyze every detail or every category of expense, just get that number for reference.

Step 2:

List all of the expenses that you think are vital to your way of life. How much do you realistically think you should spend on groceries even during a month when your income isn't great? How much wine will you realistically drink? Do you go to the gym? How much gas to you use in a month (you can get this from your statement if needed)? What is the basic amount of entertainment you need? What is the minimum you will spend on restaurants? How much do you need to spend on cloths per month? Break all of this out on a spreadsheet.

The key to this step is that both of you have to agree. If one of you doesn't agree on a basic expense, then it doesn't make the budget. These are minimums that you both agree on. Keep in mind that, the more "profit" you can show in a month beyond this basic level, the more you will personally have to spend on yourself. I'll get to that later, but the point is that you have a personal incentive to cut this "minimum monthly budget" down to an actual minimum.

Step 3:

Compare the total amount you plan to spend in your monthly budget to the amount you actually spent in your example month (your step 1 amount). Your budget should be less than your example month, or you'll need to go back and take some things out.

Step 4:

Compare the monthly budget with your total family monthly income after tax. Do you earn enough to cover these expenses and more? If not, your first priority is to earn more money. You need to face reality. For the time being, you should decide whether to decrease the budget so that it is in-line with your actual income, or whether you want to spend in a deficit over the short term as you focus on earning more money in the coming months. Any deficit spending (i.e. monthly loss) has to be tallied. You can't get to a profit for you to split unless you first cover any past losses.

Step 5:

When you have prepared your budget for the month, move the money to where it needs to be for the coming month. Withdraw all of the cash you need for the month, and place enough money in your shared, family debit account to cover what you have budgeted for plus $1,000 in case you go over. Now you can't change any of this throughout the month. You'll have to stick with it.

Keep in mind that part of your budgeting should include a minimum amount of cash that you each need to have in your wallet for the month. This is your personal money. There can also be a "family cash" amount for miscellaneous purchases (restaurants, cleaning services). Put this in a separate wallet and take it with when you go out with your child for ice cream. Plan all of this ahead. Be realistic about how much money you actually need to make life livable.

Now enjoy your month. Stick to the plan and spend budgeted amounts without any guilt.

Track results on the 1st of next month

At the end of each month, you'll have to go through the statements to figure out what you actually spent. Put the actual amounts in a column on the monthly spreadsheet next to the budgeted amounts.

Figure out how much you actually spent and how much money you have actually earned (after taxes). If you run your own business, you will have to budget quarterly tax payments in your expenses.

Your actual amounts should become the projected numbers for next month's budget.

Step 3: Divvy up the thirds

Now you are left with a total profit (or loss) for the month.

If you end up with a profit, you should split it 3-ways: 1/3 of the profit goes directly to you as spending money, 1/3 goes to your partner, and 1/3 goes to savings. The higher your profit each month, the more money you will have to spend on yourself. Your partner has nothing to say about the way you spend this money. Withdraw it as cash, put it in your Paypal account, do whatever you want to with it and answer to nobody. You have earned it.

While the initial process of coming up with a budget can be difficult, once it is done you should be able to move forward in your relationship without ever having to fight about money. You will each learn to stick to a budget. You will not purchase anything extra for yourself until you have earned your portion at the end of the month. If your partner ever comes to you with a request to buy something, the answer is, "Use your own money if you have any left." Otherwise, if it isn't on the budget, it isn't allowed.

With this approach to budgeting, both of you will be free to spend money guilt free...after it is earned! If you decide, instead, to use the profit on a family vacation, you both have to agree. If both of you agree on a purchase, it comes from the family money. If both of you do not agree on a purchase, then it has to come from your personal money.

It is extremely important to be honest and trustworthy. If one partner cheats the budget, it is an extremely serious offense. In that case, everything falls apart and you are in serious trouble. You have to commit to honesty and transparency.

Also, note that before you split any profit as personal money, you have to cover any past losses. You are only counting profit and loss from the first month you are following this program. Each month thereafter, you will track "total to savings to-date" since starting this program. That is your key metric. If there is any loss in any month, it has to be made up with future profit before anybody splits anything.

I hope you find, as we have, that this approach to family budgeting leads to less arguing, more successful results, and more personal autonomy.

I would love your comments and feedback. Email me at mark@abscondoband.com.