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Dang, I'm Overdrawn Again!

Charlottesville, Virginia

June 11, 2020

How about an accountant's joke to start off this post?

Carl is an accountant. He has worked the same job at the same desk for the past 20 years. Each day, he has the same routine. He arrives at his office, sits at his desk, opens his top left-hand drawer, looks in it, closes the drawer and then starts to work.

Today is Carl's last day at work; he is going to retire. At his going-away party during lunch, his boss approaches him and says, "Carl, I've watched you come into work for the past 20 years. You always open your left-hand drawer and look at something before you start to work. I've got to know - what's in that drawer?"

Carl is taken aback. No one has ever asked him about his routine. But he is glad for his boss' noticing, smiles and says, "It's a piece of paper."

"But what's on the paper?"

"Debts, left; credits, right."


I guess this post is mostly for my kids. I have written about this topic before. It is the most obvious of relationship advice, but like they say about common sense, there is not too much common about it. At least not for me; I've sucked at keeping this idea in the forefront of my mind. Lots of regrets about that.

I think this article does a wonderful job of describing the Emotional Bank Account. Courtney and Lucian, I hope you keep large positive balances in your accounts! 😃


Did you know that the number one thing couples fight about is nothing?

After observing thousands of couples for more than four decades, researchers have discovered that most couples were not arguing about specific topics like finances, sex, parenting, or dealing with difficult in-laws.

Instead, they were fighting about a failure to emotionally connect, and likely didn’t even know it.

Instead of having productive conflict discussions about tangible issues, couples were really arguing about how one partner may not pay much attention to the other’s needs, or may not express much interest in things that their partner cares about.

While the science behind what drives couples to lose their emotional connection can be quite complex, a simple concept can help couples reconnect: The Emotional Bank Account.

Turning toward instead of away

Imagine that you and your partner are watching a TV show together after dinner, and your partner discovers some bad news about one of their friends. You can do one of two things: turn toward or turn away.

Turning toward can be as simple as acknowledging what you partner has said to you. You could say something like, “Oh, that’s awful. I’m so sorry to hear that.” That kind of response will let your partner know that you listened and care about what they have to say, which will help build up positivity in your relationship.

Or you could say nothing and continue to watch TV. That would be turning away from your partner, and it won’t make your partner feel heard or understood.

Think of it this way: how would you feel if you expressed something that you care about to your partner, and they didn’t respond at all? You probably wouldn’t feel very good. But if your partner gave an indication that they are listening to you and that they care about what you have to say, you will likely feel connected to your partner.

It’s important to remember that most acts of turning toward are small, everyday gestures of appreciation, understanding, affection, and kindness. Even if your partner says something like, “Hey, look at the rainbow outside,” and you respond with something very simple like, “Oh, nice!” that is an act of turning toward.

The Emotional Bank Account

Essentially, when you turn toward your partner’s bids for connection, you are making a deposit in your Emotional Bank Account. And when you turn away from your partner, you make a withdrawal. Just like a real bank account, a zero balance is trouble, and a negative balance is the real danger zone.

An Emotional Bank Account grows when partners make more deposits than withdrawals. In a six-year follow-up study of newlywed couples, couples who remained married turned toward their partner’s bids for emotional connection 86% of the time, while those who divorced averaged 33%. The difference between happy and unhappy couples is how they manage their Emotional Bank Account.

When the Emotional Bank Account is in the red, partners tend to question each other’s intentions and feel disconnected, or even lonely.

But when the Emotional Bank Account is in the green, partners tend to give each other the benefit of the doubt during conflict. They keep their relationship in the positive perspective.

So how do you measure the balance of your Emotional Bank Account?

The 5:1 Ratio

Again, we have another concept that’s easy to remember: the magic relationship ratio of 5:1.

Five-to-one of what? Well, an act of turning toward, no matter how small or subtle, is a positive interaction. An act of turning away is a negative interaction. There are three key takeaways to help you manage your Emotional Bank Account:

To be satisfied in a relationship, couples must focus on increasing deposits (positive interactions) and minimizing withdrawals (negative interactions)

During conflict: 5 positive interactions to every 1 negative interaction

During everyday life: 20 positive interactions to every 1 negative interaction

Why the difference? Because when couples are in the heat of conflict, they are already in a negative state of mind, so the added negativity is to be expected. This 5:1 ratio does suggest that you still need to say and do five positive things for every negative thing, even during an argument.

Sound challenging? Try reframing your approach to conflict: you don’t necessarily have to be agreeable or overly accommodating. But you should (1) turn toward your partner, (2) listen to them, (3) ask them to tell you more, (4) validate their perspective, and (5) express empathy.

If you can do those five things during a conflict discussion, even if you disagree with your partner and find this issue to be recurring or unsolvable (which most problems in a relationship are due to personality differences), that’s five positive interactions.

On the other hand, when you’re going through your day and you’re suddenly interrupted by a negative interaction with your partner, it has a much bigger impact on your Emotional Bank Account. Positive interactions are small, consistent deposits, but negative interactions are big withdrawals, and too many of them can erase a positive balance.

And remember that grand gestures aren’t the goal here. An emotionally wealthy relationship is not cultivated during a two-week vacation to Hawaii. Instead, it’s built on a daily routine of positive habits and interactions. For many couples, just realizing that they shouldn’t take their everyday interactions for granted makes an enormous difference in their relationship.

Invest in your Emotional Bank Account

While these two concepts may be easy to understand, they require intentionality and awareness in order to effectively implement them. To help, here are five science-based methods to keep your Emotional Bank Account in the green for good:

Be mindful

Couples often ignore each other’s emotional needs out of mindlessness, not malice. So, you’ll need to pay attention. Be mindful of your partner’s bids for connection and turn toward them. This will make them feel heard and valued. You may not catch all of them, but the more you focus on those positive bids, the easier it will become to recognize them and turn toward them.

Express appreciation daily

Every day, think of all the ways your partner has turned towards you or made emotional bids. Those can be as simple as texting you at work to say that they hope the big meeting went well, or that they spent five minutes asking you about your day while you washed the dishes together. The goal is to remember those positive deposits and then to express appreciation for them. If you can imbue your relationship with a positive perspective on things, it becomes second nature to be grateful for your partner’s support and to tell them so.

Talk about stress

One study discovered that the spillover of external stress into a relationship was the single biggest reason why couples relapsed two years after marital therapy. That’s why the Stress Reducing Conversation is probably the most important conversation a couple can have. Take 20-30 minutes of undivided attention with each other, and do not discuss your marriage. Remember that all emotions are welcome during this conversation, and the end goal is to express understanding and validation of your partner’s feelings and perspective.

Communicate understanding

When your partner makes a complaint, don’t try to solve the problem. Instead, express that you can understand why they’re frustrated. You can even go a bit further and take responsibility if you did something to upset them. And if they’re happy about something, share in their excitement. We feel loved when we feel heard and understood, and the more you do that, you’ll build up a reciprocal emotional connection between you both.

Be physically affectionate

Kissing, holding hands, hugging, and cuddling are all opportunities to make deposits into your Emotional Bank Account. A study of more than 70,000 people in 24 countries found that couples who have a great sex life kiss one another passionately for no reason whatsoever, they cuddle, and they are mindful about turning toward.

If you don’t have a rich Emotional Bank Account, start small by noticing your partner’s bids. Turn toward them, again and again, as much as possible. Bid by bid, your interactions will positively sculpt your relationship until your Emotional Bank Account represents the wealth of love and respect you have for each other.

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