What is the Connection Between Secrets and Shame?

Secrets and shame are connected in many ways:

• Shame often drives keeping secrets.

• Keeping secrets creates more shame.

The Connection Between Secrets and Shame

• Shame and secret keeping often create an ongoing cycle of:
• Isolation
• Rumination
• Anxiety
  
• Guilt
• Negative self judgment
• Feelings of worthlessness
• Depression
  

How is Keeping Secrets Different From Maintaining Privacy?

While secrecy is often about concealing information due to shame or fear, maintaining privacy is about setting boundaries and choosing what information to share. 

Privacy usually doesn't involve shame or fear (see my article: Privacy vs Secrecy in a Relationship).

The Connection Between Secrets and Shame

A person who maintains privacy limits access to their life in terms of what they want to share, to whom and how much they want to share or not share.

The motivation for maintaining privacy is autonomy and personal space. An example of this is if a young child asks a parent how much money they earn and the parent knows the child can't handle this information in a responsible way, the parent might keep this information private until the child is mature enough to be responsible with it.

A person who maintains secrets is actively hiding something they feel ashamed about. Their motivation is to conceal something, avoid judgment or other negative consequences. An example of this is a husband who keeps a secret from his wife about gambling away his paycheck.

How Do Secrets Affect Relationships?

As previously mentioned, keeping secrets creates shame and shame can create secrets (see my article: Why Do People in Relationships Keep Secrets?).

• Fear of Being Judged as Having Flaws: People who keep secrets from loved ones often experience fear and shame that their loved ones will see them as flawed if they knew certain things about them. This might include their mental health status, financial struggles, addiction or similar issues.

The Connection Between Secrets and Shame

• Inauthentic and Emotionally Distant Relationships: Keeping secrets involves presenting an inauthentic self to loved ones. People who hide certain aspects of their life have to pick and choose what to tell their loved ones and keep track of what they have already told them. These secrets create emotional distance. Over time, as an individual continues to keep secrets, even if the other partner doesn't know what the secrets are, the emotional distance widens to the point where it can damage the relationship beyond repair.

• Betrayal and Mistrust: If the secret is discovered, the partner who discovers the secret feels betrayed and mistrusts for their partner. In many cases, depending upon the secret and the couple involved, a secret can ruin a relationship (see my article: Common Relationship Problems After Infidelity).

Clinical Vignette

The following clinical case is a composite of many cases with all personal information changed to protect confidentiality:

Jim

A big part of Jim's job was frequent travel around the country. He often had secret affairs while he was away and he never told his wife, Linda, about them because he considered them harmless. At the time, his attitude was: What she doesn't know won't hurt her.

Jim also liked the way he felt when he was able to attract women and have sex with them (see my article: The Connection Between Infidelity and the Need to Feel Desirable).

During a one week business trip to California, Jim met Tina at a hotel bar and they spent a few nights together. He told Tina he was married and he had no intention of leaving his wife. He said they could have fun together while he was in California, but their time together would never amount to more than that.

The Connection Between Secrecy and Shame

A month later Jim heard from Tina that she was pregnant with his child and she planned to have the baby. He told Tina that he wanted nothing to do with her or the child. He tried to convince her to have an abortion, but she insisted she would have the child. She also told him that, unless he gave her a large sum of money, she would contact his wife and tell her about the child.

Shocked and upset, Jim didn't know what to do. In the past, he had many affairs and there were never any consequences. After getting the call from Tina, he felt angry with himself for not using a condom and believing her that she was on a birth control pill. 

Jim didn't want to hurt Linda. He also feared that Linda would leave him if she found out about the affair and the pregnancy.  He felt deeply ashamed and, after thinking about it, he decided to ignore Tina's calls and keep the secret from Linda.

Although Linda didn't know his secret, she sensed something was off between her and Jim. She asked him numerous times if there was something wrong because she sensed he was emotionally distant from her. 

Jim denied there was anything wrong. Inwardly, his felt increasingly ashamed. He felt so awful that he thought he didn't deserve Linda. He developed anxiety, insomnia and ruminating thoughts about the end of his marriage.

A few months later, when Jim came home, he found Linda sitting on the couch looking very upset. His worst fears were confirmed when Linda told him she received a call from Tina about the affair and the pregnancy.  She told Jim she wanted to know the truth.

After much hesitation, Jim admitted that he had an affair and he heard from Tina that she was pregnant. He said that without a paternity test to confirm the baby was his, he wasn't sure if he was the father, but he feared that the baby might be his.

At Linda's request, Jim moved into a hotel. Linda said she needed time to think about whether she wanted to remain in the marriage. Although he had opportunities to have sexual affairs while he was at the hotel, he felt so depressed that he rejected women who approached him.

A month later, Linda said she wanted to attend couples therapy to see if their relationship could be salvaged. 

During couples therapy Jim admitted to having numerous affairs which he now regretted. He expressed sincere remorse. He also admitted he had been selfish and he now realized he put their relationship at risk. In response, Linda expressed her anger, hurt, disappointment and sense of betrayal.

Soon after that, Jim entered into his own individual therapy to understand the underlying reasons for why he cheated, to make changes and to try to save his marriage. 

Subsequently, a paternity test revealed that Jim wasn't the father of the baby. Linda decided to stay in couples therapy with Jim to see if they could repair their relationship and if she could regain trust in him.  She told him that she wasn't promising him anything but, after investing 20 years in their marriage, she wanted to give it a try (see my article: Rebuilding Trust After an Affair).

Conclusion

Secrets and shame are connected in an ongoing destructive cycle.

Keeping secrets is different from maintaining privacy for the reasons mentioned above.

Getting Help in Therapy

If you have been struggling with secrets, you could benefit from seeking help from a licensed mental health professional.

Getting Help in Therapy

Being able to talk about a long-held secret can provide you with a sense of relief. 

Although a psychotherapist can't tell you what to do, she can help you to sort out how the secret has been affecting you and your loved ones so that you can make decisions about what to do and how to change.

About Me

I am a licensed New York psychotherapist, hypnotherapist, EMDR, AEDP, EFT (for couples), Parts Work (IFS and Ego States) therapist, Somatic Experiencing and a Certified Sex Therapist.

I work with individual adults and couples.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.

Also See My Articles:

How to Stop Cheating and Repair Your Relationship

Toxic Family Secrets  

Breaking the Code of Silence in a Dysfunctional Family

The Psychological Stages of Forgiveness 

Being in the Role of the Affair Partner

What Are the Telltale Signs of a Serial Cheater 

When Trust Breaks Down in a Relationship: Lies of Omission

Privacy versus Secrecy in a Relationship

Knowing the difference between privacy and secrecy is essential, especially if you're in a relationship.

Privacy vs Secrecy in a Relationship

Although sharing the vulnerable parts of yourself is important for having a strong emotional connection in your relationship, everyone is entitled to privacy, so knowing the difference between privacy and secrecy is important.

What's the Difference Between Privacy and Secrecy in a Relationship?

Here are brief descriptions of privacy vs secrecy so you can compare the two lists to see the difference:

Privacy

Privacy in a relationship refers to having healthy personal boundaries including (but not limited to):

• Thoughts

• Fantasies, including sexual fantasies

• Dreams

• Opinions

• Having private time alone

• Experiences which are separate from your relationship--as long as it doesn't involve withholding information which would be harmful to your relationship (then, this would be secrecy and not privacy)

Secrecy

Secrecy in a relationship involves something unhealthy that you're intentionally hiding from your partner including (but not limited to):

• Cheating on your partner

• Financial infidelity: Hiding financial information or being dishonest about money that belongs to you and your partner

• Being dishonest or purposely misleading your partner/obfuscating

• Violating your partner's trust

• Other things that would be hurtful to your partner and disruptive to the relationship

Clinical Vignettes

The following vignettes, which are composites with all identifying information removed, illustrate how couples can get in trouble with regard to privacy vs secrecy:

• Julie and Tom - Issue: Privacy: Julie and Tom, who were both in their late 20s, had been in an exclusive relationship for six months. Both of them had only ever been in one prior committed relationship before their relationship together. Julie insisted she wanted to know if Tom had sexual fantasies about other women, but Tom felt Julie was crossing a personal boundary by asking him about his private thoughts. He assured her that he didn't want to be with anyone else and he would never cheat on her, but Julie continued to insist he tell her if he ever had sexual thoughts about other women. After numerous arguments, Tom broke up with Julie because he felt she was being too intrusive and controlling, and she wasn't respecting his personal boundaries.

Privacy vs Secrecy in a Relationship

• Bill and Ellen - Issue: Secrecy: After five years of marriage, Ellen discovered that Bill had withdrawn over $5,000 from their joint bank account without telling her. When Bill was confronted by Ellen, he told her that he used the money to pay off credit card debt on a card that was under his name before they got married. He said he didn't think he needed to tell her because he planned to put the money back in the account when he got paid later that week. But Ellen felt betrayed by Bill's secrecy and she told him she would find it difficult to trust him after this. She insisted they go to couples therapy to work through this betrayal. Although he didn't see what he did as a betrayal nor did he see the necessity of going to couples therapy, he agreed because he didn't want to lose his marriage. While in couples therapy, Bill learned the difference between privacy and secrecy, and Ellen and Bill worked to repair their relationship.

• Maggie and Pete - Issue: Secrecy: When Pete's best friend told him that he had seen Pete's wife, Maggie, holding hands while coming out of a hotel with an unknown man, Pete was crushed. At first, Maggie denied the affair, but after Pete asked to see her phone, she refused to show it to him. But she eventually admitted the next day that she had been having an affair for the last six months. She also admitted to two other sexual affairs starting four months after they got married. She apologized profusely and told Pete she never meant to hurt him, but Pete wasn't ready to accept her apology.  He moved out of their New York City apartment for three weeks to think over what he wanted to do. Although he didn't know if he could ever trust Maggie again, he agreed to attend couples therapy to try to repair their relationship.

Privacy vs Secrecy in a Relationship

• John and Bill - Issue: Privacy: Prior to moving in together, John and Bill had a long talk about their two year relationship. John told Bill that he needed some time to himself each day--even if it was just for an hour. Bill agreed, but after they moved in together, he got annoyed whenever John wanted to meditate in their bedroom for 30 minutes each morning. Even though they spent a lot of time together during the week and on the weekends, Bill felt ignored by John when John wanted this time to himself. When they were unable to work this out on their own, they attended couples therapy to learn to negotiate privacy versus secrecy. Bill discovered that since he was never allowed to have any privacy as a child, he didn't really understand privacy, but he was willing to work this out in therapy with John (see my article: Learning to Compromise About Spending Time Together).

In the next article, I'll discuss how to share a secret with your partner.

Getting Help in Couples Therapy

If you and your partner are having problems concerning issues related to privacy and secrecy, seek help in couples therapy.

Rather than struggling on your own, you can work with an objective couples therapist who can help you to work through these issues.

About Me

I am a licensed New York City psychotherapist, hypnotherapist, EMDR, AEDP, Somatic Experiencing, Emotionally Focused Therapy For Couples (EFT) Therapist and Sex Therapist.

I work with individual adults and couples.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.

   

What's the Difference Between Privacy and Secrecy in a Relationship?

There can be a thin line between privacy and secrecy in a relationship.

Since this is a topic that often comes up in couples therapy and sex therapy sessions, it's the focus of the current article.  

Privacy vs Secrecy in a Relationship

Where you draw the boundary between privacy and secrecy is a personal choice, but be aware that there can be serious consequences to keeping secrets, especially if you or your partner feel betrayed.

What's the Difference Between Privacy and Secrecy?

Let's start by defining the difference between privacy and secrecy and then looking at examples of each.

Privacy

Generally, privacy is consensual with both parties agreeing to the boundaries.

Privacy is also non-threatening to you and your partner because you have an agreement.

Privacy vs Secrecy in a Relationship

Secrecy

Secrecy is nonconsensual.  It hasn't been agreed to by you and your partner and there's no understanding about the boundaries. 

There are often selfish motives to secrecy that only protect the interests of the partner keeping the secret and would be potentially detrimental to the other partner.

Questions For Self Reflection

You and your partner might differ in how you each understand privacy and secrecy, which can create conflict and even jeopardize your relationship.

As a first step, it's important to do some personal introspection and consider the following questions for yourself:

• What are your true motives in keeping something hidden from my partner?

• Are you spending a lot of time and effort in trying to keep it hidden?

• Are you deluding yourself about the possible consequences by telling yourself, "What my partner doesn't know won't hurt them?"

• Are you hiding people, activities, plans or events in your life from your partner?

• Are you hiding financial matters from your partner, like credit card bills, hotel receipts and so on, when you have an agreement to share financial information (see my article: Financial Infidelity is a Major Issue in Many Relationships)

• Are you enlisting the help of friends or family members in keeping aspects of your life hidden from your partner?

• What are the underlying emotions involved with your behavior? Fear? Shame? Anxiety? Guilt? Sadness?

• Has your behavior created emotional and/or sexual distance between you and your partner due the hidden aspects of your life and your underlying emotions about it?

• Is your behavior potentially harmful to your partner if they find out or if others find out?

Answering "Yes" to the questions listed above point to keeping a secret rather than maintaining privacy. 

Lies include not only what you say but what you don't say, which are considered lies of omission (see my article: When Trust Breaks Down in a Relationship: Lies of Omission).

Also, consider these questions:

• As an empathetic person who cares about your partner, do you have a sense of peace about not revealing certain matters to your partner?  

• If so, what's behind your sense of peace?

• Does your decision coincide with an understanding and agreement you and your partner already have?

If you're being honest about your motives and you said "Yes" to the three questions immediately above, it appears that you're maintaining your privacy and not keeping secrets.

An Example of Maintaining Privacy

Angela and Sara are in a long term relationship. They each know that the other masturbates privately and they have agreed they don't need to talk about the details of their sexual fantasies when it involves other people--as long as they don't get involved with others in real life. Neither of them feels threatened by these fantasies.

Privacy vs Secrecy in a Relationship

An Example of Keeping a Secret

Jim and Betty have been together for two years, and they have an agreement to be monogamous. Jim values his relationship with Betty, but he can't stop thinking about his ex, Jane.  Occasionally, he meets Jane for coffee without telling Betty. He and Jane talk about the possibility of getting back together again, but Jim doesn't want to break up with Betty.  Jim justifies these get-togethers with Jane because he tells himself that nothing sexual has occurred between them. So, he believes he hasn't done anything wrong. He also feels that since Betty doesn't know that he meets with Jane, she won't be hurt by it. But one day Betty walked into the cafe where Jim and Betty go. She saw them sitting close together and talking softly, and she felt devastated and betrayed. Later that night, she confronted Jim, but he denied doing anything wrong. Soon after that Jim and Betty started couples therapy to try to work out their differences with regard to privacy and secrecy and Betty's feelings of betrayal.

Conclusion

There's a difference between privacy and secrecy in a relationship.

Each couple needs to have an understanding of what the boundaries are in their relationship and honor their agreement.

If you're confused about whether you're maintaining your privacy or keeping a secret, ask yourself the self reflective questions mentioned in this article.

If you are intentionally withholding information from your partner which leads your partner to believe things that are untrue (like you're monogamous when you're cheating), this is considered a lie of omission and your maintaining a secret.

Getting Help in Couples Therapy

If you're having problems in your relationship with secrets, get help in individual or couples therapy.

A skilled psychotherapist can help you to lead a more fulfilling life.

About Me

I am a licensed New York City psychotherapist, hypnotherapist, EMDR, AEDP, EFT, Somatic Experiencing and Sex Therapist.

I work with individual adults and couples.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.

What Are the Telltale Signs of a Serial Cheater?

Serial cheaters are often hard to identify and even harder to avoid.  During the early stage of a monogamous relationship, they might be charming, caring, and attentive.  But as time goes on and the relationship moves beyond that early passionate stage, known as the limerence stage, serial cheaters often reveal their true colors (see my article: Telltale Signs You're in a Relationship With a Womanizer).

Telltale Signs of a Serial Cheater

What is a Serial Cheater?

Serial cheaters often have the following characteristics:

• Numerous Infidelities in the Past: People who have cheated in past are more likely to cheat again in their current relationship. This isn't someone who makes a mistake while they're drunk during a business trip away from home.  This is someone who consistently cheats on their partner when there's an explicit agreement to be faithful. They might even talk about their previous infidelities and give many reasons why they felt justified in cheating. The more they justify their history of cheating, the more likely they'll cheat again (see my articles: Understanding the Emotional Dynamics of Men Who Are Players and Coping With Infidelity).

• A Fear of Commitment: A fear of commitment might be rooted in prior traumatic experiences in relationships, especially experiences that occurred early on.  This doesn't mean that cheating is justified or should be condoned. Knowing the root of the problem is a way to understand how someone might have become a serial cheater.

• A Pattern of Blaming Their Previous Partners: Another way that serial cheaters justify in their own minds and to others why they cheated is by blaming their former partners.  Often, you'll hear them say, "She drove me crazy" or "He was too difficult to get along with so I started cheating." Objectively, none of these reasons justifies cheating, but it might help to ease a serial cheater's guilt and shame (assuming they feel guilt and healthy shame), and they can use these justifications to convince you it was justified or, at least, understandable. But don't fall for it.

Telltale Signs of a Serial Cheater

• A Tendency to Be Secretive With Their Phones: Whether this involves refusing to give their partner access to their phones (or computers) or other ways they try to keep their technology private, serial cheaters can go to great lengths to safeguard their privacy so you don't find out they're cheating.  They might cover their phones in front of you, leave the room to take phone calls, text someone else while they think you're not paying attention or try to hide incoming phone calls or texts.  If you ask them about this, they might become defensive and annoyed (see my article: Coping With Secrets and Lies in Your Relationship).

• Promises to Change: People do change. But serial cheaters often don't. They often make grand gestures about how they're "different" now that they're in a relationship with you.  And while this might be the case, you would be wise to exercise healthy skepticism until you can be sure.

• Projections and Distractions: Serial cheaters often accuse their faithful partner of cheating as a way to project their own behavior onto the partner and distract the partner from finding out about their own cheating. 

• A Pattern of Avoidance and Procrastination: Serial cheaters often don't talk about a long term future with you.  They might make many excuses for why they don't want to talk about taking the next step in the relationship, but the real reason is usually they don't want a long term committed relationship--at the same time that they might be telling you that they do.

Telltale Signs of a Serial Cheater

• Flirtatious Behavior With Others: Serial cheaters often flirt with many other people--sometimes even in front of you.  They might compliment other people, touch them or laugh with them.  If you confront them about this behavior, they'll often say, "I was just being friendly" and accuse you of being "too jealous."

• A Pattern of Lying: Serial cheaters tend to lie a lot.  Lying helps them to try to fool and manipulate you (if you allow it).  If you've caught your partner in lies before, chances are they'll lie again, especially if they try to defend their behavior. Lies include lies of omission where they conveniently leave out certain details like where they were or who they were with to hide that they're cheating.

• A Tendency to Hop From One Relationship to the Next: Serial cheaters tend to prefer superficial relationships, including no strings attached relationships or Friends With Benefits.  When they get tired of a relationship, they tend to leave that one and easily move on to the next one.

• A Pattern of Inconsistency and Lack of Reliability: If you're with a serial cheater, they might be juggling multiple relationships that you don't know about.  As a result, you might get frequent cancellations at the last minute or they're chronically late because they've scheduled a few other romantic or sexual partners into their schedule.

Conclusion

It takes a while to get to know a romantic partner.  

The telltale signs of a serial cheater aren't always easily detected during the early stage of a relationship.  When the relationship is still new and exciting, they might not cheat.  But once the new relationship energy has worn off and they become bored, they often find it difficult not to give into the impulse to cheat.

While it's true that people do change, serial cheaters often don't change.  

If you try to focus your energy on changing them, you'll most likely be disappointed.  So, focus on taking care of yourself.

Also, if you're the one who has problems with cheating, see my article: How to Stop Cheating and Repair Your Relationship.

Getting Help in Therapy

Recovering from infidelity can be very challenging.  Not only is it emotionally painful, but it can also erode your self esteem and your health.

After you have ended a relationship with a serial cheater, the experience of that relationship can make it difficult for you to trust other potential partners in the future.

Rather than struggling on your own, seek help from a licensed mental health professional to work through feelings of pain and betrayal so you can regain a healthy sense of self.

About Me

I am a licensed New York City psychotherapist, hypnotherapist, EMDR, AEDP, EFT, Somatic Experiencing and Sex Therapist.

I work with individual adults and couples.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.

Relationships: Being Dishonest About the Financial Aspects of Your Relationship

In general, money is a big issue in many relationships.  For many couples personal finances are a point of contention when they either don't agree about financial issues or one or both of them is lying or keeping secrets about money.  In addition, money is often symbolic of power and it can become part of a power struggle in a relationship (see my article: Talk to Your Partner About Money Before You Get Married or Enter Into a Committed Relationship).

Financial Infidelity in Relationships

A January 2022 survey by US News & World Report revealed that as many as one in three couples in the US are dealing with financial infidelity.  Other surveys indicate that it's a growing problem in relationships. 

Of the couples who were dealing with financial infidelity, 76% said it had a negative impact on their relationship and 10% indicated that it led to a divorce (see my articles: Talk to Your Spouse About Money and Are You Arguing About Money in Your Relationship?).

What is Financial Infidelity?

Since it's such a big problem, let's start by defining what financial infidelity means:  Financial infidelity occurs when one or both partners in a relationship, who have some form of combined income, engage in financial behavior they know their partners would disapprove of and they lie or keep it a secret (see my article: Coping With Secrets and Lies in Your Relationship).

Financial infidelity includes, but is not limited to the following activities:

• Hiding debts, including credit card debt, loans, gambling debts and so on
• Hiding purchases of big gifts for friends, relatives, extramarital affairs or others
• Making other big purchases without letting a partner know
• Lying about how money was spent
• Lending large sums of money to friends, relatives or others without letting a partner know (see my article: Are Your Relatives Financial Problems Affecting Your Relationship?)
• Engaging in secret shopping
• Overspending as a maladaptive way to cope with emotional issues and keeping it a secret (see my article: Learn to Stop Overspending as a Way to Cope With Discomfort).
• Gambling in secret (casinos, card games, lottery tickets, etc)
• Keeping secret bank, credit card or payment accounts 
• Engaging in secret discretionary purchases (vacations, spas, clothing, jewelry and other expenses)

Why Do People Engage in Financial Infidelity?

Talking about money can feel uncomfortable or shameful.

Financial Infidelity in Relationships

In addition, many people who enter into a relationship where they are combining income (or a certain portion of income) never talk about money beforehand.  

There are many reasons why people engage in financial infidelity, including:

• An Attempt to Maintain Autonomy:  Many people use money, consciously or unconsciously, as an attempt to maintain a sense of autonomy and reassert power in a  relationship.  They might not have learned how to be part of a couple and also be an individual at the same time so committing financial infidelity gives them a sense of independence (see my article: Growing as an Individual While You're in a Relationship).

• An Attempt to Avoid a Confrontation: This is the most common reason for financial infidelity. It often occurs because people don't know how to talk about these issues or they fear confrontation in general (see my article: Changing Maladaptive Coping Strategies: Avoidance).

• A Sense of Shame About Money: Many people grew up in households or in cultures where talking about money is considered shameful.  There might also have been secrets and lies about money (see my article: Toxic Family Secrets).  Many others feel so ashamed of their debt or expenses that they don't want their partners to find out about it.  If they are hiding debt, they might rationalize to themselves that they will repay the money before their partners find out about it (see my article: Shame is at the Root of Most Emotional Problems).

Signs of Financial Infidelity

• Unexplained large withdrawals from joint accounts
• The discovery of a secret bank or credit card account
• The discovery of a secret payment account, like Venmo or Paypal
• Larger than normal cash withdrawals
• Checks made out to cash
• Other unexplained expenditures

Vignettes 

The following vignettes, which are composites of many different cases with all identifying information removed, are common examples of financial infidelity that bring people into couples therapy:

Patty and Ed:

Six months after they got married, Patty found out that Ed was over his head in credit card debt when they were exploring the possibility of getting a mortgage and Patty obtained credit reports.  The credit reports revealed Ed's $20,000 debt, which he had never disclosed to Patty before they got married--even though they had attended pre-marital counseling which included discussions about personal finances.  

Financial Infidelity in Relationships

She wondered if there were other things he was hiding from her.  Ed said he knew she would discover the debt at some point, but he couldn't bring himself to tell her because he felt so ashamed of it.  Patty felt so betrayed that she asked Ed to move out while she thought about whether she wanted to remain in their marriage.  A week later, Patty agreed to allow Ed to move back in but only on the condition they attend couples therapy to deal with this breach of trust.  In their couples therapy sessions, Ed realized he tended to overspend as a way to boost his low sense of self worth.  Since they got married, he stopped overspending, but he was still struggling with low self confidence.  Over time, as they worked on their issues in couples therapy, Patty forgave Ed for not disclosing his debt before they got married.  They worked on the underlying issues in couples therapy as well as rebuilding trust.  Ed also started individual therapy to deal with low self esteem.  In addition, they sought help from a financial advisor so they could get their finances in order.

Alice and Bill: 

Alice and Bill were married for five years.  When they first got married, they decided to keep whatever money they had before the marriage separate and open a joint bank account for saving and big purchases.  Other than that, they didn't have a discussion about money before they got married.  One day when Alice was going through the mail, she inadvertently opened a letter addressed to Bill from a debt collection agency and she was shocked to read that Bill had a $5,000 debt which he never revealed to her.  

Financial Infidelity in Relationships

Later that night, Alice and Bill got into an argument about the debt.  At first, Bill was angry that Alice opened his mail--even though he knew it was a mistake.  By the next day, he admitted he had other financial accounts he never revealed to Alice because having these accounts gave him a sense of independence.  Soon after that, Alice and Bill entered into couples therapy to talk about the underlying issues in their relationship that led to this financial infidelity and they were able to work through these issues.  They also sought help from a financial advisor.

Bob and Tom:

Two years after they got married, Bob discovered an email addressed to Tom from a payment account that revealed $2,000 was transferred from their joint checking account to an unknown vendor.  When Bob confronted Tom about this expense, at first, Tom said he had never authorized this expenditure and it was a mistake.  

Financial Infidelity in Relationships

But when Bob asked Tom to contact the bank in front of him about this error, Tom balked.  Then, he admitted he was trying to hide that he was using a male escort service.  He thought he could replace the money before Bob noticed it was missing from their account.  He also knew Bob didn't check their accounts regularly.  When he heard Tom's explanation, Bob couldn't understand this because they had a consensual nonmonogamous relationship.  Their agreement was they could have sex with other people as long as they each knew about the other's sex partners and they didn't form emotional ties with these other individuals. They were both aware of the other people they each had sexual relationships with and it had never been a problem before.  Tom admitted that, in addition to the individuals he met up with at bars, which Bob knew about, he also had secret visits to see sex workers because it excited him to have this secret. Over time, he felt guilty about it, but then he felt too ashamed to tell Bob about it.  He said he was working on this issue in his individual therapy, but it was still a problem for him.  Two week later, Bob and Tom entered into couples therapy to work on the breach in their consensual nonmonogamous agreement and the financial infidelity.

Jane and Lilly:

Three years after they moved in together and they combined their finances, Jane happened to see a text flash on Lilly's phone while Lilly was in the shower.  The text was from Lilly's younger sister, Nina.  Jane was shocked to see the text from Nina, which was pleading for more money.  Lilly had never revealed to Jane that she was lending Nina money.  So, when Lilly came into their bedroom after her shower, she was caught off guard when Jane confronted her about the text. 

Financial Infidelity in Relationships

After stonewalling for an hour, Lilly admitted she lent Nina $3,000 from Jane and Nina's joint account because Nina was heavily in debt. Lilly said she felt too uncomfortable to tell Jane about it.  She admitted she knew that Jane never looked at the bank statements and she hoped to replace the money before Jane found out.  Jane was outraged. She knew Lilly had a hard time setting boundaries with Nina, but she considered this breach of trust to be serious enough to insist they attend couples therapy to deal with it as well as other underlying issues that led to this problem.  Over time, their relationship improved while they were attending couples therapy, and Lilly learned to set limits with her sister.

How to Avoid Financial Infidelity

• Talk About Finances Before Getting Married or Entering Into a Committed Relationship Where You Will Be Combining Income:  The best way to avoid financial infidelity is to come clean about finances before you enter into a serious relationship.  Although it might feel uncomfortable at first, you will avoid problems later on (as shown in the vignettes above).

• Reveal All Finances to Your Partner: Whether you decide to combine all or part of your finances, reveal all aspects of your finances to your partner.  All accounts should be open and accessible and financial transactions should be transparent to both people.  In addition, have regular discussions about money.

• Seek Help in Therapy to Deal with the Underlying Emotional Issues: Whether you are hiding aspects of your finances or you are tempted to do so, deal with the underlying issues in individual or couples therapy.  Shame is a major underlying issue when it comes to money, which can be complicated by a family history of financial secrecy or discomfort with talking about money.  Fear of confrontation is also the most common issue with regard to financial infidelity.  It can be difficult to own up to this problem, but dealing it with early in your relationship can avoid bigger problems in the future (see my article: Learning to Trust Again After a Betrayal).

About Me

I am a licensed New York City psychotherapist, hypnotherapist, EMDR, AEDP, EFT and Somatic Experiencing therapist.

I work with individual adults and couples and I have helped many clients to deal with the underlying issues that contribute to financial infidelity.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.

How Do You Know If You're in an Unhealthy Relationship?

How do you know if you're in an unhealthy relationship?  Being objective about whether or not your relationship is healthy for you can be complicated when you're in love and sexually attracted to someone. 

You might overlook certain red flags in your relationship.  This is especially true if you were raised in a family where there was a high level of dysfunction and conflict. 

    See my articles: 

Relationships: Are You Attracted to People Who Hurt You?

Are You in a Toxic Relationship?

Choosing Healthier Relationships

How Do You Know If You're in an Unhealthy Relationship?

To avoid getting into an unhealthy relationship, it's important to date someone long enough to get to know him or her before you both decide that you're in a committed relationship (see my article: Dating vs. Being in a Relationship: Taking the Time to Get to Know Each Other).

Signs That You're in an Unhealthy Relationship
Here are some red flags to be aware of:

• Excessive Jealousy:  If you know that you've been faithful to your partner, but your partner exhibits excessive jealousy or s/he is accusing you of cheating, this is a significant red flag that your partner is insecure and possessive and that you're in an unhealthy relationship.  This type of problem rarely, if ever, gets better on its own (see my article: Overcoming the Jealousy and Insecurity That's Ruining Your Relationship).

• Controlling Behavior: Related to excessive jealousy, your partner might not exhibit controlling behavior at first, but this can develop later on in the relationship.  Controlling behavior includes your partner telling you where you can go, who to socialize with, when to come home, what to wear, and so on.  This type of behavior tends to get worse over time, so if your partner is trying to control you, you know you're in an unhealthy relationship (see my articles: Relationships: Is It Kindness or Controlling Behavior?).

• Problems With Anger Management: If your partner has problems controlling his or her temper, this is a sign that you're in an unhealthy relationship, especially if your partner refuses to get help.  Problems with anger management include problems with verbal and/or physical aspects of anger management (shouting, making demeaning remarks, breaking things, threatening you, threatening people who are close to you, and so on).

• Emotional Blackmail:  If your partner uses emotional blackmail to control you, this is a sign that you're in a dysfunctional relationship.  For instance, if you and your partner get into an argument and, to get back at you, s/he stops speaking to you, this is emotional blackmail.  This is not the same as when a partner needs a temporary time out to regroup and then comes back to discuss whatever you were disagreeing about.  This is a deliberate form of manipulation to punish you or to get his or her way (see my article: Breaking the Cycle of Emotional Blackmail).

• Gaslighting/Manipulation: When someone uses gaslighting, s/he is attempting to deliberately manipulate you to make you think that you're the problem.  When someone engages in gaslighting, s/he knows that s/he is attempting to manipulate.  It's not just a matter that s/he has a different opinion from the partner.  People who engage in gaslighting are often narcissistic and some of them are sociopathic.  This is a sure sign that you're in an unhealthy relationship (see my article: Are You Being Gaslighted?).

• Addiction: If your partner is abusing substances or engaging in other addictive behavior and s/he refuses to get help, you're in an unhealthy relationship.  Addictive behavior includes excessive drinking, abusing drugs, compulsive gambling, compulsive overspending, sexual compulsivity, compulsive overeating, and so on (see my article: Recovery: Understanding Cross Addiction - Substituting One Addiction For Another).

• Codependent Behavior: Codependent behavior occurs when one or both partners enable the other's unhealthy behavior.  A typical example of this would be if a partner makes excuses for his or her partner's addictive behavior.  This is a sign of an unhealthy relationship and both people need to be willing to work on their issues in therapy to develop healthier ways of relating to each other (see my article: Overcoming Codependency: Taking Care of Yourself First).

• Secrecy and/or Lying: If you're in a relationship with someone who is secretive and doesn't share what's going on with him or her emotionally and socially and/or your partner lies to you, you're in an unhealthy relationship.  This is another problem that doesn't usually change without help (see my articles: Are Toxic Secrets Ruining Your Relationship? and When Trust Breaks Down in a Relationship: Lies of Omission).

• Infidelity: If your partner is cheating on you and s/he refuses to get help in therapy, you're in an unhealthy relationship.  Aside from the emotional pain that infidelity causes, it also creates mistrust and it's often hard to get trust back.  This is not to say that everyone should leave a partner who cheated.  Some couples are able to work through infidelity in individual therapy or in couples therapy.  But if your partner refuses to get help, there is little to no chance that your trust can be restored (see my article: Gaslighting and Infidelity).

• Physical, Emotional and Sexual Abuse: Any form of physical, emotional or sexual abuse is unacceptable and a definite sign that you're in an unhealthy relationship.  Abuse often escalates and gets worse over time.  Your primary concern should be your own safety and well-being.

The items on the above list are some of the most significant signs that you're in an unhealthy relationship, but there might be other signs as well.

Conclusion
I believe that most people know deep down when they're in an unhealthy relationship, but they choose to overlook red flags for any number of reasons.  Denial can also be a strong defense mechanism with regard to not wanting to see the red flags.

Sometimes, people who overlook red flags don't feel good about themselves and they believe that if they let go of the relationship that they're in, they won't find another relationship.  Other people engage in wishful thinking that things will get better on their own, but that rarely happens without help (see my article: Wishful Thinking Often Leads to Poor Relationship Choices).

Getting Help in Therapy
If you think you're in an unhealthy relationship and you're having problems recognizing it or taking steps to preserve your own well-being, you could benefit from working with a licensed mental health professional (see my articles: The Benefits of Psychotherapy and How to Choose a Psychotherapist).

Getting help in therapy from an objective clinical professional is an important first step to taking care of yourself and making important decisions for yourself.

About Me
I am a licensed NYC psychotherapist, hypnotherapist, EMDR and Somatic Experiencing therapist (see my article: The Therapeutic Benefits of Integrative Psychotherapy).

I work with individual adults and couples.

To find out more about me, visit my website: Josephine Ferraro, LCSW - NYC Psychotherapist.

To set up a consultation, call me at (917) 742-2624 during business hours or email me.