Setup (5 min)

• Same day each month: ________
• Phones face down; one laptop for numbers
• Shared view of balances (or printed snapshot)
• Rule: no blame language — only next moves

Agenda (20 min)

• 1. Wins since last meeting (2 min)
• 2. Cash + bills: any shortfalls this month? (5 min)
• 3. Debt or savings goal progress (5 min)
• 4. One decision: big purchase, trip, gift, or wait (5 min)
• 5. Assign owners + dates (3 min)

Numbers to fill

• Checking combined: $________ HYSA: $________
• Consumer debt total: $________
• This month's joint priority: ____________________
• Amount automated to that priority: $________

Close (5 min)

• Next meeting date: ________
• Parking lot items (not tonight): ________
• If money talks keep exploding, consider relationship tools — RELIQ is our parent-academy assessment
• Keep the room kind. You are on the same team.