Why couples lie about how they spend money


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    Chris and Mary Barnes.

    - Josh Rogosin/Marketplace Money

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    The infamous secret Lucy purchase hidden in plain sight in the Barnes' closet.

    - Josh Rogosin/Marketplace Money

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    Mary Barnes holds up a bag from her favorite secret shopping store, Lucy.

    - Josh Rogosin/Marketplace Money

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    Mary Barnes reveals she secretly bought MORE gym clothes. We're told she spent about $300.

    - Josh Rogosin/Marketplace Money

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    Chris Barnes secretly buys vintage LPs even though he has hundreds in his collection.

    - Josh Rogosin/Marketplace Money

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    Chris Barnes has lost about five iPods, so now he has to secretly buy new ones every time another goes missing.

    - Josh Rogosin/Marketplace Money

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    Chris Barnes admits to buying more books than he has time to read. The Barnes house has many bookshelves.

    - Josh Rogosin/Marketplace Money

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    Mindi Keith reveals some of her most recent secret purchases.

    - Josh Rogosin/Marketplace Money

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    Neighbor and best friend Joanne Leighton helps sort through Mindi's secret stash of clothes.

    - Josh Rogosin/Marketplace Money

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    Tedd Keith sits in the latest car he bought and hid from his wife Mindi -- it's a 1931 Ford Model A Tudor.

    - Josh Rogosin/Marketplace Money

Tess Vigeland: And now for a segment we'll call "Talk to Marketplace Money and we'll make sure that by the end you want a divorce attorney." It's about financial infidelity -- specifically spouses who hide purchases from each other. And before you judge people, bear in mind that a recent survey from an outfit called CESI Debt Solutions found 80 percent of married respondents said they do this.

Now you'd think no one in their right mind would want to talk on national radio about it. But you'd be wrong.

Mary Barnes: OK, so this is our joint closet. However, my husband only comes on this side and I come way back in here. So I do a lot of my hiding my stuff back here.

That is 40-year-old Mary Barnes of Redondo Beach, Calif. And she was taking us on a tour of hidden purchases in a medium-sized closet that she shares with 44-year-old Chris, her husband of eight years. He works in the pharmaceutical industry, she teaches preschool. They have two kids.

Mary is whispering a little 'cause Chris is right downstairs.

Mary Barnes: But I was just at my favorite store. I haven't even pulled it out but I have some stuff here.

She had a shopping bag of workout clothes in one hand. And then Mary pulled out a box that seemed like it would be hard to miss in such a tight space.

Mary Barnes: Well, I got it before my husband got home. The clothes were up high so he didn't see it. Honestly, I'm not really sure why this happens. I guess because things that I feel are important to me, he doesn't necessarily feel are important and that we could spend that money somewhere else.

How much spending are we talking about here? About $300 worth. She received that money as a Christmas gift. But still felt compelled to hide the purchases she'd made with it. She says she feels judged -- and guilty.

But surely Chris isn't totally unaware that this is happening, right?

Chris Barnes: I don't know if she actively hides them. More like they're hidden in plain sight, you know what I mean?And my purchases are, too.

Wait, what? Yes, he hides purchases, too. Music, mostly.

Chris: I don't think we lie to each other. We just don't actively tell each other. Don't ask, don't tell!

Vigeland: Yes, but that's been repealed.

Chris: That's true, exactly. I gotta get with the times.

Mary: Maybe it's a little bit lying because you're hiding it from 'em.

Victoria Collins: Actually no, there isn't a distinction. Lying and withholding the truth, but I think intent here is very important.

That's Victoria Collins. She's a psychologist who specializes in money and relationships. And we asked her to help explain why people who love and trust each other enough to get married would keep such seemingly trivial secrets.

Collins: Part of the reason we don't want to tell our spouse about spending is that we don't want to feel like a child again.

In other words, we don't want a spouse questioning every dollar we spend or making judgments about what we buy. We're adults, right? Collins also says some of the shopping guilt is self-created, based on what kind of spending culture we grew up with.

And in fact, Mary had an epiphany about her spendthrift father, who just might also be a factor in her squirreling away of packages. So let's hear what happens when we bring Chris and Mary back together in their condo.

Vigeland: All right, we are all back upstairs. I suppose this will be my Oprah moment. So what I gathered from my conversations with each of you separately, is Mary feels guilty when she makes purchases that she thinks you might not approve of. So she hides them. And you know, what we understand from you, Chris, is that you really wouldn't care.

Chris: That's true.

Vigeland: Tell me what's going on here.

Mary: You really don't care?

Chris: We obviously lack communication. I really don't, 'cause I trust you enough to know you're going to make the right decisions.

Mary: I guess maybe sometimes the reason I hide it is because I already have something similar, and then I'll buy something that's very similar.

Chris: Five million jeans.

Vigeland: OK, I hear some judgment in there.

Mary: Yes, see? Thank you.

Chris: That's a good point. This is a reckoning. I don't think I do that. 'Cause usually, I'll notice something that's new and just not say anything.

Mary: Really you do?

Chris : Yeah, don't think I don't see the Lucy box in the closet when I come home.

Now we realize that one couple does not a representative sample make. So here's another marriage for us to tear assunder -- two blocks away!

Forty-eight-year-old Hollywood set designer Mindi Keith is another secret shopper.

Mindi Keith: So a lot of times, you know, I'll come in through the back and I'll just throw it in my closet or it'll get hung up right away, you know?

For the most part, it's bags of clothes we're talking about -- again. And why the sneaking around behind her husband's back?

Mindi Keith: He's never made any big deal about anything I've ever bought, but I almost feel bad just buying more stuff 'cause he knows how much stuff I have.

She does have multiple closets full already, but says she does not need husband Tedd's judgmental eye on those bags. And after 12 years of marriage...

Mindi Keith: I feel that if we both work, we are both entitled to buy whatever we want. As long as it doesn't put the family in a crisis. I don't feel like I have to tell my husband everything I buy.

And one thing we haven't mentioned yet: Our couples both use the "yours, mine and ours" approach to bank accounts. So they separate their money, yet still deal with issues of guilt and perceived disapproval.

And according to Tedd Keith, it is all perceived, not real.

Tedd Keith: She works hard, I don't want to give her grief over that. I think she thinks that I'd be a lot madder than I am.

Our money psychologist Victoria Collins says there is a solution to all this financial infidelity: Just talk.

Collins: One of the things that might be helpful to couples like this is to schedule a financial date night. During this one hour period of time, each one can say anything they want and there's no blame.

As we left Chris and Mary Barnes' house, I wondered if that might be a starting point for them.

Vigeland: So what are you going to talk about at the dinner table tonight?

Chris Barnes: Uh, probably very uncomfortably quiet.

Funny how I don't remember them thanking us for coming.

About the author

Tess Vigeland is the host of Marketplace Money, where she takes a deep dive into why we do what we do with our money.

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