When people hear the word "infidelity," they usually think of an affair. But there's another form of betrayal that quietly damages relationships every day: financial infidelity.

Have you ever hidden a purchase from your spouse? Opened a credit card without telling them? Lied about how much you spent? Made an investment decision on your own because you were afraid of their reaction?

You're not alone.

In this episode of the Julia and Gino Podcast, Julia and Gino Barbaro have an honest conversation about the financial secrets many couples keep—and the fear, shame, insecurity, and miscommunication that often drive them.

Gino shares personal stories of investments he made without fully communicating with Julia, including taking out a HELOC to fund a life-changing real estate opportunity. Julia opens up about how childhood experiences, fear of judgment, and emotional reactions can shape the way we handle money in marriage.

Together, they explore:

• What financial infidelity actually is
• Why people hide spending from their partners
• The role fear and shame play in money decisions
• How trust is damaged through secrecy
• Why most people aren't trying to hurt their spouse
• Hidden debt, secret purchases, and concealed investments
• How childhood experiences affect financial behavior in marriage
• Rebuilding trust after financial mistakes
• The importance of weekly money meetings
• Creating shared financial goals
• Practicing full transparency around finances
• How to discuss major purchases as a team
• Questions every couple should ask about money

One of the biggest takeaways from this conversation:

Transparency creates trust. Trust creates unity. Unity creates a stronger marriage.

If money has become a source of stress, conflict, or secrecy in your relationship, this episode offers practical tools and compassionate insight to help couples reconnect and build a healthier financial future together.

Questions to ask your spouse today:

✓ Is there anything about our finances we've been avoiding discussing?

✓ What financial decision are you currently worried about?

✓ How can I better support you financially and emotionally?

Healthy marriages aren't built on perfection. They're built on honesty, grace, communication, and a willingness to grow together.

If this conversation resonated with you, share it with your spouse, partner, or someone who could benefit from hearing that they're not alone.

Subscribe for more conversations on marriage, money, relationships, emotional health, and building a life rooted in trust and purpose.

Personal finance, Relationships, Faith, Health & Wellness - it’s all overwhelming and there’s no clear map to guide you. But what if there was?

Visit our website to start your transformation. Your journey to a fuller, more vibrant life is just a click away: https://barbaro360.com/

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why do intelligent people continue making poor financial decisions? Why do some people build wealth while others stay stuck? And why do so many retirees feel lost after reaching their financial goals?

In this powerful conversation, financial psychologist and researcher Dr. Charles Chaffin joins Julia and Gino Barbaro to explore the hidden psychological forces that shape our relationship with money, investing, retirement, goal setting, and personal success.

Dr. Chaffin is a psychologist, financial planning expert, author, researcher, and co-founder of the Money & Risk Inventory (MRI). His work has influenced financial advisors, planners, researchers, and universities across the world.
Whether you're an investor, entrepreneur, financial advisor, retiree, or simply someone looking to improve your financial future, this conversation offers actionable wisdom you can apply immediately.

About Dr. Charles Chaffin
Dr. Charles Chaffin is a psychologist, researcher, financial planning expert, author, and educator. He is the co-founder of the Money & Risk Inventory (MRI) and the Psychology of Financial Planning programs. His research has been conducted through organizations including the CFP Board, Wharton School, Columbia University, and Iowa State University.

Connect with Dr. Charles Chaffin
Website: CharlesChaffin.com
LinkedIn: Charles ChaffinPersonal finance, Relationships, Faith, Health & Wellness - it’s all overwhelming and there’s no clear map to guide you. But what if there was?

TIMESTAMPS
00:00 Introduction & Dr. Charles Chaffin's Background
00:50 How Financial Planning Led to Psychology Research
02:13 Why Human Attention Is Our Most Valuable Resource
05:28 What Is the Money & Risk Inventory (MRI)?
08:05 The Evolution of Financial Planning & Behavioral Finance
09:25 Loneliness, Social Media & the Advisor's Role
11:04 Helping Clients Overcome Financial Overwhelm
12:00 Why Small Goals Beat Big Goals
13:00 The Hidden Challenge Widows Face With Money
14:20 Goal Progress vs Goal Completion
15:44 Retirement: Why We're Not Wired to Stop Growing
16:52 Dr. Charles' Personal Money Mistakes & Present Bias
19:08 Perfectionism, Failure & Learning Through Mistakes
21:34 Teddy Roosevelt's "Man in the Arena" Philosophy
22:20 Why People Are Afraid to Make Mistakes
23:13 The Power of Arts, Sports & Learning Through Failure
24:13 The Beauty of Being Wrong
25:54 Process Over Product: A Better Way to Learn
26:35 Identity, Money & Becoming Financially Responsible
28:03 Climbing Ladders You Never Wanted to Climb
29:38 Building a New Identity Through Small Wins
30:02 Self-Determination Theory Explained
30:40 The Three Human Needs: Competence, Autonomy & Connection
31:20 FOMO, Social Media & Financial Decision-Making
33:46 Retirement, Identity Loss & Finding Purpose
35:46 Parenting, Empty Nest Syndrome & Reinventing Yourself
36:12 Hitting the Accelerator in Life
37:50 Retirement Success Stories & Living Authentically
38:45 What's Next for Dr. Charles? Books, Research & Content
39:43 The Importance of Attention & Financial Coaching
41:46 Designing a Meaningful Retirement Life
42:35 Where to Find Dr. Charles Chaffin
42:53 Final Thoughts & Closing Remarks

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode, Julia and Gino sit down with Cindi and Dr. Joe Ferrini — authors, speakers, and longtime advocates for special needs families — to discuss the emotional, mental, and spiritual realities of raising a child with special needs.

With more than 40 years of caregiving experience, the Ferrinis share the lessons behind their new book The Special Needs Parent and open up about the hidden stress, isolation, grief, marriage challenges, and personal transformation that many families experience on this journey. This conversation explores what happens when life doesn’t go according to plan — and how parents can still build hope, resilience, purpose, and even joy in the middle of overwhelming responsibility. Whether you’re a parent, caregiver, family member, or simply want to better understand the special needs journey, this episode offers wisdom, compassion, and encouragement.
TIMESTAMPS

00:00 – Introduction
01:41 – Meet Cindi & Dr. Joe Ferrini
04:26 – Why they wrote their book
07:58 – The hidden stress special needs parents carry
11:44 – The feeling of isolation many families experience
15:02 – grieving expectations
18:37 – Holding grief and hope at the same time
22:06 – Building emotional capacity through difficult seasons
25:18 – How special needs parenting impacts marriage and family
29:04 – Why parents need a strong support system
32:47 – Dealing with judgment, comments, and social pressure
35:41 – Embracing transformation instead of punishment
38:26 – Advice for parents
41:02 – Final thoughts and encouragement

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.