Financial Infidelity in Relationships: How to Stop Hiding Financial Debt From Your Partner

Hiding financial debt from your partner is a form of financial infidelity which can be just as harmful as having a sexual affair. 

Keeping this secret can break trust with your partner, jeopardize your legal standing and ruin your shared relationship goals.

Financial Infidelity in Relationships

What Are the Potential Consequences of Hiding Financial Debt From Your Partner?

Let's look at the consequences in more detail:

• Erosion of Trust: Finding out about secret debt can cause a tremendous erosion of trust and feelings of betrayal. It can trigger relationship conflict or a breakup.

• Damaged Future Goals: Hidden debt takes away money that you and your partner would otherwise use to save for future goals, like a wedding, a new home or retirement.

• Credit Roadblocks: Hidden debt can prevent you and your partner from qualifying for apartment rentals, home mortgages or car loans.

• Legal and Joint Liabilities: If you co-sign for a loan or open joint accounts, your partner can become legally liable for the debt regardless of who spent the money.

Why Do People Hide Debt From Their Partner?

Secret spending or hidden debt usually occurs due to specific emotional and situational factors:

• Shame and Embarrassment: Feeling severe shame, guilt and embarrassment about past financial mistakes or current bad habits

Financial Infidelity in Relationships

• Fear of Confrontation: Worrying that a partner might judge you, get upset or call off a wedding or end the relationship

• Desire For Control: Wanting total independence or a financial fallback without answering to anyone

• Underlying Impulsive or Compulsive Habits: Masking debt that stems from hidden gambling, compulsive shopping or substance habits

What Steps Can You Take to Stop Hiding Debt From Your Partner?

There is no one-size-fits-all answer to this issue. What might be right for one person might not be right for another. 

You have to assess your situation and ensure that you are safe physically and emotionally before revealing secret debt. If you are in an unsafe environment where your partner might become physically abusive, you have to prioritize your safety. Depending upon your situaton, you might have to work with a domestic violence agency to develop your exit strategy before addressing financial issues.

For most people the following steps can be helpful:

• Own Up Before the Wedding: Don't let your partner find out about your secret debt through a rejected loan application or a surprise collection letter.

Financial Infidelity in Relationships

• Gather Concrete Information: Print and have available for your partner your credit reports and a clear list of every single card, interest rate, minimum payment and other relevant information.

• Draft a Repayment Strategy: Present your partner with the truth along with an actionable plan as to how you plan to pay off your debt--whether this includes getting a second job, strict budgeting or whatever other positive steps you need to take.

• Choose a Calm Setting: Pick a quiet time when you and your partner will have privacy to talk without being interrupted. Don't bring it up during an argument or in an offhand way.

• Avoid Defensiveness: Take responsibility and don't blame your partner or others for hiding the debt.

• Acknowledge the Betrayal: Validate your partner's feelings including anger, shock, hurt, sadness or whatever feelings your partner might have. 

• Recognize That the Lie is Often More Damaging Than the Money Owed: Lies of omission where you don't reveal secret debt is still a lie. Assuming your partner wants to remain in the relationship, you will have to work to regain your partner's trust.

• Assume Responsibility For the Financial Burden: Make it clear that you consider this to be your financial responsibility to fix and it is not their responsibility.

What Kind of Professional Help Can Be Helpful?

• Financial Planner/Legal Advisor: Depending upon your situation, you might need a financial or legal professional to help you map out a financial strategy. A legal consultation can also help you to work on either a pre-nuptial or post-nuptial agreement to legally shield your partner from your liabilities.

• Couples Therapist: A licensed mental health professional can help you both to deal with the emotional fracture in your relationship after you revealed the secret debt. It's best not to avoid dealing with the psychological damage to the relationship because these  problems can harden into deep resentment and mistrust. A couples therapist's role would include:

• De-escalating and Creating Psychological Safety: The couples therapist would set communication boundaries to stop repetitive and toxic argument loops. They reinforce agreements against blame-based language, yelling or bringing up deception as a tool to weaponize for constant punishment.

Getting Help in Couples Therapy

• Managing Emotional Flooding: A high betrayal trauma often leaves the partner who feels betrayed in a state of hypervigilance and, at times, panic. The couples therapist can teach emotional regulation skills and implement structured pauses when sessions become overwhelming or unproductive.

• Validating the Deception Trauma: The clinical focus honors the hurt partner's pain. The therapist ensures that the secretive partner knows that the primary damage is the lying and the concealment--not just the missing money.

• Halting the "Trickle Truth": A major obstacle to healing occurs when the secretive partner admits to hiding a certain amount of debt at first and then, later on, admits that there was even more debt. This continuous drip of information re-traumatizes the betrayed partner each time.

Getting Help in Couples Therapy

• Investigating Each Partner's Relationships to Money: Using a therapeutic model like Emotionally Focused Therapy For Couples (EFT) the therapist helps the couple to look beneath the immediate problem of the debt to examine family-of-origin patterns, childhood financial insecurity or feelings of lack of autonomy in the current relationship.

• Addressing Core Drivers of the Secretive and Deceptive Behavior: The therapist guides the secretive partner to look inward at their capacity for deception. The therapist explores whether the secretive behavior was driven by intense shame, a fear of conflict, severe avoidance or compulsive spending behavior.

• Addressing Other Relevant Issues: Once the air has been cleared, the couples therapist can help the couple to develop verified openness in their relationship. This often involves sharing login information, co-managed budget spreadsheets and notification triggers for banking applications. It also involves setting financial boundaries where the couple establishes a pre-agreed upon threshold that would require a conversation before money is spent. In addition, once trust has been regained, the clinician helps the couple so that they don't remain in a permanent parent-child dynamic where one partner acts like the disciplinarian and the other partner acts like the untrustworthy child. 

About Me

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

Over the years, I have helped many 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:

Talk to Your Partner About Money 

What is the Connection Between Secrets and Shame? 

Toxic Family Secrets 

What is the Difference Between Privacy and Secrecy in a Relationship? 

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

What is Psychological Manipulation?

Psychological manipulation or gaslighting involves someone else controlling your thoughts, emotions or behavior (see my article: What Are 7 Signs You're Being Gaslighted?).

What is Psychological Manipulation?

The primary goal of psychological manipulation is control.

The manipulation can be subtle or it can be more overt. 

In addition, the person doing the manipulation might or might not be aware they're manipulating.

Manipulation can start out relatively small and build up over time, which makes it difficult for you to realize you're being manipulated.

Sometimes people who are outside of this dynamic can detect the manipulation more easily than you can. 

You might not want to believe that someone close to you is trying to manipulate you so you might second guess yourself about what's going on.

Why is Psychological Manipulation So Damaging?

As mentioned above, you might not recognize you're being manipulated which can cause you to be in denial about it.

What is Psychological Manipulation?

In addition, over time, you might lose trust in your own thoughts, feelings and behavior and, instead, you rely solely on the person who is manipulating you. This means you're giving up your power to the person manipulating you.

    

See my articles: 

Are You Giving Up Your Power to Someone Who Doesn't Treat You Well? 

Taking Back Your Power

What Are the Signs You're Being Manipulated in a Relationship?

The following list includes some of the most common signs that you're being manipulated.

Your partner might exhibit some of these signs and not others:

• They Blame You for Their Actions: They don't take responsibility for the things they do. Instead, they blame you. If they lose their temper, go out and binge drink or engage in other destructive behavior, they blame you. From their  perspective, you made them do it.

• They Try to Convince You That You're Wrong: They make excuses for their behavior. They might try to twist what happened to get you to appear as if you're the one who is wrong and they're right. They also tend to be relentless in getting you to take the blame for whatever happened and they don't stop until you say you were wrong.

• They Put Words in Your Mouth and Distort What You Say: People who are highly skilled at manipulation know how to turn your words against you until you're convinced of what they're saying. However, what they're doing is distorting your words through trickery so they can have the upper hand in the situation. And, if you don't realize this, you might allow your partner to do this and then you doubt yourself.

• They Blame You If You Don't Trust Them: If you don't go along with their manipulation, they tend to portray themselves as being trustworthy (when they're not) and blame you for not trusting them--even if, objectively, they have shown themselves to be untrustworthy many times.

What is Psychological Manipulation?

• They Keep Secrets: Whether their secrets are big or small, they tend to keep secrets from you. The secrets might involve where they are, who they're with or what they're doing. Even when you find out about their secrets and it makes no sense to you why they're keeping this secret, the problem isn't necessarily about the particular secret--it's about the fact that they're withholding information from you as a way to have the upper hand. In addition, if they find out you didn't tell them something that you weren't necessarily keeping a secret (e.g., going to the mall with a friend), they can get upset that there's something you're doing--no matter how innocent--that they don't know about because it means they're not in control of this aspect of your life. So, there's a double standard here about what they feel is okay for them and what they feel is okay for you.

• They Don't Like You to Have Privacy: This is similar to keeping secrets. Even if you've given them no reason to mistrust you, they want to know everything that's going on with you--who you saw, who you spoke to, where you went, when you went and so on. They might also want to check your phone, email and texts so you don't have any privacy because when you have privacy, they can't control that part of your life which makes them feel uncomfortable. But when it comes to their privacy, they insist on it. Once again, this is about control and it's another double standard (see my article: What's the Difference Between Privacy and Secrecy?).

• They Try to Make You Feel Guilty: They can try to make you feel guilty in a number of different ways. For instance, if you made a mistake, they might keep bringing it up as a way to make you feel guilty and bad about yourself. They might keep bringing up your mistakes long after they occurred. This is another way they try to control you.

• They Use Passive Aggressive Tactics: When they're angry with you, instead of talking about it directly, they act out in ways they know would annoy you to get back at you. Then, they might deny they were behaving in a passive aggressive way out of spite.

• They Use Your Trust Against You: They might offer to help you in your time of need. Then, when you trust them and accept their help, they put you down for needing and accepting their help. They try to make you feel like you're "weak" for needing their help--even if they offered to help.

• They Don't Like You to See Friends and Family: People who are highly manipulative know that if you have loved ones in your life, generally speaking, you're less likely to allow yourself to be manipulated because you'll be getting feedback from others about your partner's behavior, which your partner won't like. They want to be the only ones who influence and control you so your loved ones are threatening to your partner.

• They Start Arguments About Little Things: Even if you want to be easygoing and agreeable, a partner who wants to manipulate you might start a small fight with you as a way to get you to give in to them. Their strategy is to control you.

• They Blame You For Other People's Actions: In addition to blaming you about their actions, they might blame you for other people's actions. For instance, if someone at a party flirts with you and, objectively, you didn't encourage this behavior, instead of blaming the other person for flirting, your partner finds a way to blame you. They might say you encouraged the flirting by what you wore to the party or how you spoke or anything else. This type of behavior often gets confused with jealousy, but it's really about manipulation.

• They Talk Down to You and Belittle You: They speak to you in a condescending way. This is a form of emotional abuse. They want you to feel inferior to them or that you wouldn't be able to survive without them (see my article: Belittling Behavior in Relationships).

• They Behave in a Self Centered Way: They make the relationship center around them. If you need their emotional support, they invalidate your feelings. They might point out that either they have it much harder than you do and tell you that you have no right to your feelings. This is a form of narcissism and emotional abuse (see my article: Narcissism: An Emotional Seesaw Between Grandiosity and Shame).

There are many other ways that a partner can manipulate, but the ones mentioned above are some of the most common ones. And, as previously mentioned, your partner doesn't have to exhibit all of these signs in order to be manipulative.

This article focused on psychological manipulation between two partners in a relationship, but this form of manipulation can occur between any two or more people.

Get Help in Therapy

Psychological manipulation is damaging to your self esteem and your sense of self. 

Get Help in Therapy

Over time, you might feel so disempowered that, even when you realize you're being manipulated, you continue to give away your power to your partner because you have become increasingly emotionally dependent upon them.

Rather than struggling on your own, seek help from a licensed mental health professional who has experience helping clients to overcome this problem.

About Me

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

With over 20 years of experience, I work with individual adults and couples (see my article: What is a Trauma Therapist?).

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.

Why Do People in Relationships Keep Secrets From Each Other?

In a prior article, I discussed the difference between privacy and secrecy in a relationship (see my article: Privacy vs Secrecy in a Relationship).

What's the Difference Between Healthy and Unhealthy Secrets in a Relationship?

Aside from maintaining your own privacy in a healthy way, there can be other healthy reasons for maintaining certain secrets.

Discovering Secrets in a Relationship

Healthy Secrets

An example of a healthy secret would be a surprise. For instance, if one of the partners is planning to propose, they would probably want to surprise and delight their partner by taking them to their favorite restaurant and proposing with an engagement ring.

Similarly, one of the partners might want to surprise the other with a gift, a birthday party or a much desired vacation.

In both cases, these secrets were temporary and would add to the partner's pleasure.

Unhealthy Secrets

Unhealthy secrets include but are not limited to:

• Hiding Deceitful Behavior: Using a secret to hide deceit; manipulation; betrayal, lying, including lies of omission, often leads to mistrust and can ruin a relationship.  An example of this would be infidelity, including emotional infidelity.

• Hiding Serious Issues: Hiding serious issues, like serious medical problems; financial issues, including financial infidelity; an addiction, among other issues, can weaken or destroy a relationship. 

Why Do People in Relationships Keep Secrets From Their Partner?

There can be many reasons why people keep secrets from their partner, including:

• Maintaining Power and Control: The partner who is keeping a secret to maintain power and control over their partner is engaging in an unhealthy dynamic. Maintaining this dynamic can lead to a decrease in emotional intimacy, emotional distancing, resentment and the potential demise of the relationship.

• Feeling Shame and Guilt: Someone who feels ashamed or guilty about something they did will often keep it a secret because they fear their partner will reject or leave them.

• Feeling Fear of Criticism and Judgment: Even if a partner doesn't leave, they might be critical or judgmental about what their partner did, so the partner keeps it a secret so they don't have to deal with the criticism or judgment.

Keeping a Secret Due to Fear of Criticism

• Avoidance: Related to the above, someone might want to tell their partner about their secret, but they fear how their partner might react, so they procrastinate. The procrastination might be short term or it can be indefinite.

• Experiencing Lack of Trust in the Partner: When someone doesn't trust their partner, they might not want to be vulnerable by revealing what they did, so they keep it a secret.

• Having Poor Communication Skills: Someone who doesn't have good communication skills might not know how to reveal something negative to their partner, so they keep it a secret.

• Having Poor Interpersonal Skills: Someone who has poor interpersonal skills might not know how to approach their partner about something they did, so they keep it a secret.

• Having Poor Relationship Skills: Similar to poor interpersonal skills, someone who has poor relationship skills might not understand the importance of being open and honest with their partner. In many cases, they grew up in a household where good relationship skills weren't modeled for them, so they never developed these skills. There might also have been toxic family secrets.

• Not Wanting to Be Accountable to a Partner: Similar to poor relationship skills, someone might not want to be held accountable by their partner for their actions.

• Being Selfish/Self Centered: Someone who is self centered and selfish might only think of themself and not how their secret might affect their partner.

• Wanting Revenge Against Their Partner/Payback: If someone is angry about something their partner did, they might intentionally keep a secret as a way of getting back. This often happens with infidelity where one partner finds out the other partner cheated and the first partner cheats too as a form of revenge--even though they keep the infidelity a secret.

• Wanting to Be the Betraying Partner After Having Been the Betrayed Partner in a  Current or Prior Relationship: When someone was betrayed in a prior relationship, they might want to gain power in the next relationship by being the betraying partner.

How Can Secrets Ruin a Relationship?

• Secrets Are Stressful: Keeping a secret often involves a lot mental and emotional energy on the secret keeper's part, which creates stress.  The partner who is keeping the secret might also feel stressed because they fear their partner will find out their secret. If someone is keeping a secret from their partner, they might are not be open and honest about other issues in the relationship.  

Secrets Are Stressful

• Secrets Create Mistrust and Resentment: When someone finds out their partner is keeping a secret, they can feel mistrustful of their partner as well as hurt and resentful. 

• Secrets Hurt Both Partners: Keeping a secret hurts both people. The secret becomes burdensome for the secret keeper. Snt,ecrets also create emotional distance between the two partners, which can result in loneliness for both people (see my article: Are Toxic Secrets Ruining Your Relationship?).

Getting Help in Therapy

Whether you're the secret keeper or you're in a relationship where you have discovered your partner has been keeping a secret, you don't have to struggle alone. You could benefit from working with a licensed mental health professional (see my article: Coping With Secrets and Lies in Your Relationship).

Getting Help in Therapy

If you're the one who is keeping a secret, being able to let go of a burdensome secret can free you from guilt and shame.  You can also work with a skilled therapist to how you want to deal with the issue.

If you're the one who has discovered a secret, you might feel overwhelmed with emotions that a licensed mental health professional can help you to work through.

Couples therapy can help you to work through a betrayal and strengthen your relationship, if you choose to stay together, or end your relationship in an amicable way, if you choose to end the relationship, so you don't bring issues from the current relationship to the next relationship (see my article: What is Emotionally Focused Therapy For Couples?).

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 an appointment, call me at (917) 742-2624 during business hours or email me.

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.