According to financial expert Larry Burkett, eighty-five to ninety percent of couples surveyed say that finances were the primary reason for their divorce (Rainey 19). In addition to adultery, abuse and incompatibility, financial problems are disintegrating marriages of all ages in America. The Time magazine article, “Will the Market Kill Your Marriage?” contains three theories from different points of view, which offer explanations for the dissolution caused by finances. The therapist's theory states that marital problems stem from desperation caused by financial stress. Second, the marriage counselor theory holds that couples without prior communication about money fall apart when funds begin to dwindle. Finally, the lawyer's theory colorfully concludes that “money provides the soft fatty tissue that insulates the marital skeleton; once the relationship is severed and people can see the depths of their relationship, they want to get out” (Luscombe 6). Many couples in financial difficulty experience a combination of causes, but no marriage is doomed. The couple should come together and overcome these challenges. It goes without saying that men and women operate differently. Differences can be extremely positive in a relationship, but only if the couple works together and takes advantage of each other's individual talents. Typically, women, as relationship-oriented beings, are more likely to reason with emotions, while men tend to stick to logic. Couples can gain cohesive and practical decisions by collaborating between the two points of view (Dayton 20). When couples don't take each other's points of view into account, both spouses feel pressure, but not as a team. This change in perspective is the leak that allows a wave of problems to pour into the marriage early. Faced with finances… in the middle of paper…, yours or ours?” Crown.org. Crown Finance Ministries, nd Web. October 2, 2011. Iowa State University. “Track your expenses.” Washington: Extension and Outreach, 2007. Web. October 2, 2011.Jones, Monica. “Financial Infidelity.” Ebony October 2006: 76+. Academic Research Premiere. Web. September 25, 2011. Karst, Darlene. Personal interview. October 7, 2011. Landers, Ann. “Giving and forgiving: such is marriage. " Chicago Tribune October 18, 1987. Web.Luscombe, Belinda and Lina Lofaro "Will the Market Kill Your Marriage?". Time November 3, 2008: 62-63. Academic Research Premiere, September 25, 2011. Rainey, Dennis "How We Deal with the financial difficulties?". Family Life.com Np, nd Web. September 29, 2011. "The Truth About Budgeting." Dave Ramsey.com. Lightning License, August 3, 2009. Web. October 2, 2011. Tyson, Eric. Personal Finance for mannequins, 2nd ed. Foster City: IDG 1996. Print.