Project 10 of 12 - evolve a high-nurturance co-parenting team

Resolve "Money" Conflicts
 With Step-Relatives
- p. 1 of 2

Clarify and Resolve the Real Disputes

by Peter K. Gerlach, MSW

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The Web address of this two-page article is http://sfhelp.org/Rx/kin/money.htm

        This is one of a series of non-profit Web articles suggesting solutions for common divorced-family and stepfamily relationship problems. This Solutions sub-series focuses on solving common problems between step-relatives. Most ideas also apply to divorced biofamilies. This gives perspective on this non-profit divorce-prevention site, and ideas on how to best use it. The ideas here aim to augment, not replace, other qualified professional counsel. The "/" in re/married and re/divorced notes that it may be a stepparent's first union. Co-parent means any caregiving adult in a nuclear stepfamily. Following any link will open a summary popup or a new browser window. Use your browser's "back" button to return here from new windows.

        Some stepfamily research has concluded that money is the second most common stepfamily (surface) stressor, after child-raising confusions and conflicts. This article...

hilights common surface money-related disputes among steprelatives,

proposes what the underlying primary problems are, and...

illustrates practical resolution-options for these problems.

        This article is similar to others on money-related conflicts between ex mates and spouses.

        Get more from reading this by first studying and discussing...

  • factors promoting high-nurturance families and relationships;

  • this introduction to the subselves that govern normal personalities like yours;

  • five hazards typical stepfamilies face, and the primary problems they cause;

  • 12 safeguard Projects co-parents can team up on to avoid or resolve these problems, as they merge their three or more biofamilies over years of patient effort; and...

  • basic suggestions about optimizing roles and relationships among stepfamily relatives.

        To make your time more productive, try saying out loud specifically why you're reading this article: what do you need?


  Perspective

        Across eras and civilizations, money ranks with lust, religion, hunger, and freedom as a primal human motivator. Money can bring power, social status, freedom, security, relief, and pleasure. Seeking or losing these can evoke the full range of intense human emotions. Acquiring and spending money are addictive to some wounded people.

        All families have financial "problems." Typical stepfamilies have more financial strife than intact biofamilies, because of (a) unresolved divorce issues and (b) having to merge three or more multi-generational ("extended") biofamilies with potentially very different assets and values about wealth, debts, and security. "Money problems" are part of a mosaic of stepfamily stressors within and between co-parents' and relatives' homes.

        This site proposes that typical social role and relationship problems are usually surface symptoms of deeper unfilled needs. Until co-parents become aware of this and focus on co-operatively filling their primary needs, problem symptoms usually keep recurring. Let's look at some... 

 Typical Surface Problems

        See if you recognize any of these common financial disagreements among stepkin. The details vary infinitely, and the themes are constant. None of these problems happen in the same way in intact biofamilies:

A grandparent makes a new will, and causes hurt and resentment by leaving nothing (or less) to their stepgrandkids.

A stepmother's mom and dad deeply resent that their new son-in-law spends more money on his own kids than on his stepchild, their grandchild.

An uncle loans money to his bio-nephew for college tuition, but balks at loaning his brother's stepdaughter money for her education.

A stepfather's sister is publicly contemptuous that her brother's wife refuses to sue her ex husband for back-due child support, and that her brother won't "make your bimbo stand up for herself and her poor kids."

At year-end holiday gatherings, a well-to-do family matriarch lavishes gifts on her genetic relatives, and inexpensive token gifts on her steprelatives. She scathingly denies this, and/or shames anyone who confronts her on it.

At a large holiday stepfamily dinner, an opinionated grandfather criticizes his daughter's new husband for giving his visiting children "such a skimpy allowance."

Hostility flares between a re/married couple's four parents because one senior couple won't co-sign on a loan for the younger couple's major house repair.

Stepfamily tensions rise because an ex wife's father scornfully condemns his teen grandkids' new stepmother for "selfishly making them pay for their own car insurance."  

        What are you thinking now? How would you react in stepfamily situations like these? They're just a few of the scores of silly to destructive surface disputes that can simmer or seethe between stepfamily relatives. Though the details of such situations vary infinitely, there are...

Common "Money Conflict" Elements

        Two or more (usually more) stepfamily adults have a values conflict over someone's opinion, decision, action, or value about...

  • Something of significant financial value to someone; causing...

  • "bad feelings" among two or more stepfamily members - i.e. mixes of confusion, hurt, resentment, guilt, shame, anger, contempt, and anxiety. These feelings...

  • temporarily or chronically polarize individual homes and the extended stepfamily into groups of antagonists; which...

  • causes some (a) kids to feel uneasy and "bad;" (b) re/married couples to distance, fight, or unite; and (c) involved stepfamily members and supporters to feel "uncomfortable" to various degrees. These...

  • promote (a) avoidances, disrespects, distrusts, and phony politeness; which (b) lower family-members' motivation to form relationships; unless...

  • someone tries to "make things better": e.g. confronts the antagonists, and/or tries to mediate the financial disagreements - with or without "outside help." This can...

  • (a) reduce some or most family tensions, (b) have no effect, or (c) increase relationship barriers among stepfamily relatives.

        Does this summary match your life experience? Each of these elements can (a) increase family stress or (b) be a focus for reducing "financial" conflicts. Which stepfamily member/s would you say are responsible for (a) understanding and accepting this sequence, and (b) resolving it? 

        If some of your stepfamily relatives are significantly stressed about surface "money issues," what causes them, and how can you all...


  Identify and Resolve the Primary Problems

        Premise: in situations like those above, money is not the problem. Surface stressors like these occur because two or more stepfamily members...

are unaware they're ruled by a narrow-visioned, reactive false self.  Combined with other primary problems below, false-self wounds promote internal and mutual conflicts, distorted perceptions, and inhibit effective communication and problem-resolution; and/or...

ignore, discount, or dispute their stepfamily identity, and unconsciously rely on inappropriate biofamily expectations about roles, relationships, and money to themselves and each other; and/or they...

disagree on who belongs to their stepfamily ("Pat's ex wife's opinion about Marla's college fund doesn't count!"), and aren't motivated to resolve the hurt, resentment, and confusion that causes; and/or...

the step-relatives are distracted from identifying their primary money-related needs by some of these relationship barriers, and (a) they don't know that, or (b) how to reduce the barriers; and/or they...

have values conflicts about something related to money, and (a) don't know that or (b) how to resolve values conflicts effectively. The values can include opinions about how "good" (bio)family members are supposed to  earn, save, spend, invest, bequeath, share, talk about, and feel about "financial responsibility," "money" and "debts;" and/or several stepfamily members...

are caught in one or more loyalty conflicts and associated relationship triangles, and (a) aren't aware of that or (b) how to resolve these common stressors effectively together; and the conflicted step-relatives...

don't know how to (a) identify their respective primary needs, (b) assert them effectively, and/or how to (c) do win-win problem-solving together.

        Once stepfamily adults are aware of these primary problems, they can improve each of them, over time. Pause, breathe, and notice your thoughts and feelings now. If you have a specific "money problem" with some step-relative/s now, try to imagine the problem is really one or more of these primary causes. 

Continue with options for reducing these primary problems...
 

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Updated  August 25, 2008