It’s 7:35 AM, and you’re slamming down a couple cups of coffee and a bagel. You’ll be late for work again, and your wife is back at it, nagging and harassing you. The trash is overflowing from last several nights of dinner, and the dishes are still sitting idle in the sink. She wants them done. You’re exasperated that these things keep causing fight after fight, and end up in defensive mode time and time again. Does it get any better than this?

A lot of people find themselves reacting in response to the problems in their lives, whether it’s in their relationships, work, friendships, personal or self-care. Problems do arise, granted. All of these things — when properly balanced — provide happiness and success, but all too often people slide into “reactive living.”

What happens is that choices beget other choices, and we both lose sight of that snowball effect, and sometimes shun responsibility for doing anything about it to change some of the original choices. We get lazy, or rely on others to lean on or take care of our messes.

When we live reactively, we live in response to our environment and the people within it. We allow other people and situations to dictate our lives, as opposed to assuming responsibility for ourselves. Life becomes a series of ” call and responses.” Something happens in our environment, or with someone we love, and we react sometimes mindlessly to troubleshoot the problem or situation.

We are constantly putting out fires, where we could be using that psychic energy to build well controlled fires that create life, energy and renewed power. We create a lot of unneeded stress, tension, depression, and interpersonal conflict with those closest to us.

Stepping back from our lives and differentiating between reactive living and proactive living is very important in a variety of different ways. When we can admit that there are some parts of our lives, we wise up to the fact that we have lost control and responsibility in some facets of our lives.

There are many examples of this: from becoming a better husband or boyfriend, to paying our bills on time, to proactively taking in our car in for maintenance so it doesn’t fail us, or to going out of our way to develop relationships that had been unattended to for a while. It could even mean coming up with a better organization system, either in our homes or offices, or in our minds.

Learning where the cracks are in the various facets of one’s life is important. Then, understanding how to fix things so you can play a more participatory part in your own life, instead of reacting to problems and situations that are thrown at you, is critical to turning the ship around.

Money helps, but if you don’t have the right foundation to creating a marriage or relationship, you are building a house cards. I talk with too many guys who still are committed to the idea that working their asses off, making money, and providing the right lifestyle for themselves and their wives or girlfriends is what is going to create happiness and a successful relationship. Wrong.

Money is never all satisfying. Even though it has evolutionary roots, the idea of being a mate who can acquire access to resources (i.e. money) has its limitations. And yet guys don’t seem to get this. They seem to think that they can buy their mate’s happiness, which may be true in a fleeting sense.  The sense of material acquisition can never be fully experience — there always has to be more. Money cannot become a surrogate for lack of the emotional connection or expression, or as a substitute for love and respect.

When we fight about money, it may be true that were fighting about other issues in our relationships. When we have no money, that may be absurd proposition, but I think that money is often the materialization of power and control dynamics within a relationship or household. When we try to gain control or power over our mate (to distract us from our own powerlessness or feelings of being out of control), there are various ways that we can do this. Sex and money are two common “power currencies” that keep tension between two people who are vying for more power and control in their relationship.

The psychology of money between couples is very subtle, and requires a keen eye and willingness to change behaviors to remedy this type of problem. Even just considering that money, or the lack of it, is the tip of the iceberg, and has many primary causes and secondary symptoms is a great start. Seeing money in this way, as a form of a psychological currency, is difficult, but it may shed some perspective on the way that you have traditionally dealt with it in your relationships.