Are you a Giver, a Taker or a 50-50 Lover?

Tomi Toluhi

Stephen Covey is credited with introducing the metaphor of an emotional bank account in his book, The 7 Habits of Highly Successful People. He explained that positive actions are deposits in a relationship which build trust, while negative behaviour drains a relationship. Everything you do in your relationship is either a deposit or a withdrawal. Every smile, every word of encouragement, every act of kindness, every sacrificial deed, is a deposit into your relationship. Every unkind word, every selfish act, every display of indifference, every thoughtless deed, is a withdrawal from your relationship. No relationship can survive endless withdrawals. When the withdrawals outweigh the deposits, emotional bankruptcy results. No relationship becomes bankrupt in a day. It is the conglomeration of acts of omission and commission that eventually push a relationship over the precipice that leads to disintegration.

One crucial question we must all ask ourselves is, ‘Am I a giver, a taker or 50-50 lover?’ Your answer to that question will strongly influence your ability to have and maintain a successful marriage. Each one of us has our own unconscious, private concept of what love is and what love does. This concept is an unseen script that orchestrates how we engage in relationships. It determines how we conduct ourselves in marriage and what our expectations are of the other person. Based on our concept of love, each of us is a giver, taker or 50-50 lover.

Takers

Takers expect marriage to be a relationship of convenience. Their chief expectation, though unspoken, is ‘My way or no way!’ Every relationship has one basic bottom-line for them, ‘What’s in it for me?’ Takers enter a relationship for what they can gain out of it. Any benefit to the other party is purely coincidental. They spell love s-e-l-f. Sometimes selfishness is thinly disguised as need. Needy people are exhausting to be around because they have a parasitic approach to relationships. They are always miserable because their personal happiness depends on what others do or do not do for them. They are critical, manipulative and demanding.

Takers are attracted to givers because they see them as a ticket to satisfaction in life. In reality, no human being can ever totally satisfy another person; we are not equipped to do that. Only a dynamic, vibrant relationship with God can meet our deepest needs and satisfy our heartfelt longings. No one would willingly admit to being a taker but if you consistently fail at relationships and you always attribute the failure of your relationships to the other person’s inadequacies, the cause of the problem might actually be revealed by a cursory glance in the mirror.

50-50 Lovers

50-50 love is potentially the most deceptive concept of love because it seems like a perfectly respectable place to be; at the centre of the spectrum. 50-50 lovers are people who subconsciously expect marriage to be a contractual relationship. They will do their part as long as you do yours. This all sounds like a ‘fair’ proposition but unfortunately life is not always fair. What happens to 50-50 love when a husband loses his job and cannot pay his share of the bills? Or a wife loses her health and cannot meet her husband’s sexual needs? 50-50 love goes out of the window when faced with the trials of life and is quickly replaced by resentment.

50-50 love is storybook love but it cannot survive the vagaries of real life. Marriage is not a contract and the reality is that sometimes your spouse might not be in a position to uphold their part of the bargain. When this happens, 50-50 lovers become victims of their own expectations. As long as your fulfilment depends on someone else meeting your needs or doing certain ‘expected’ things on cue, you will never be happy. Make no mistake; your needs are legitimate and important, but strenuously seeking to get your needs met through your spouse leads to frustration rather than satisfaction.

Givers

Givers see marriage from a covenant perspective.  They give for the joy of delighting someone else, not because of what they expect to receive in return. Givers understand that God is a giver and that love is spelt g-i-v-e in His dictionary. Giving is a life-skill without which no Christian can survive. It is the language of love. Choose to invest in your relationship. In marriage, give without waiting for returns. Marriage is a covenant, not a contract. People who approach marriage with a 50-50 contract mentality which says ‘ You give this and I will give that…you do this and I will do that’ , always miss out on the best that marriage has to offer. Marriage was not designed to function on terms and conditions; it was designed to be a covenant where you give your all for the benefit of the other, without holding anything in reserve.

If you are prepared to give your all to your spouse, you have the seeds of what it takes to succeed in marriage. The beauty of love is that you need not worry about its future. Marriage is a marathon but you only have to concern yourself with the very next step of the journey. All you need to do is to give your best today. Trust God to help you invest in love today and tomorrow will take care of itself. Forty years of happy marriage are made up of individual days of sacrificial giving and loving. The joyful memories which you will look back on forty years from now can be created today.

P.S. Share this article with someone who needs it on Facebook and Twitter.

By Tomi Toluhi May 17, 2025
Understanding Money Agendas is probably one of the most important insights that will equip you to build financial compatibility in your marriage. Each one of us approaches relationships and enters into marriage with a money agenda and you need to explore and understand your spouse's money agenda and harmonise it with yours to minimise conflict.
By Tomi Toluhi May 17, 2025
Welcome to the world of the Expressive where money means acceptance. Respect and acceptance are the focus of the Expressive's financial agenda. Money is seen as a means to express one’s uniqueness and earn the admiration of others.
By Tomi Toluhi May 17, 2025
Welcome to the world of the Expressive where money means acceptance. Respect and acceptance are the focus of the Expressive's financial agenda. Money is seen as a means to express one’s uniqueness and earn the admiration of others.
Couple getting married in sunset
By Tomi Toluhi March 22, 2025
The decision of who to marry is potentially one of the most important decisions you will ever make in your life. Who you marry will significantly impact upon the outcome of your life - who you become, what you can accomplish and how fulfilling your life will be. Here are six crucial questions that you should ask before and after you say "I do."
Tomi Toluhi on the Analytic Money Personality
By Tomi Toluhi March 22, 2025
Welcome to the world of the Analytic where money means security. Saving and planning for the future are the focus of the Analytic’s financial agenda. Money is seen as a means to protect them and their loved ones from life’s difficulties and prepare for the future.
Currency from different countries
By Tomi Toluhi March 22, 2025
Welcome to the world of the Amiable where money means love. Relationships and people are the focus of the Amiable’s financial agenda. Money is seen as a means of expressing love and affection to others.
Tomi Toluhi on how your money language shapes your marriage
By Tomi Toluhi March 22, 2025
Join Tomi Toluhi for the replay of an engaging live Zoom event designed to help couples navigate money language differences in marriage. During this session, you'll learn how to improve financial communication, and build a stronger, more united approach to managing finances together.
By Tomi Toluhi March 22, 2025
Join Tomi and Martins Toluhi for the replay of an engaging live Zoom event designed to help couples navigate the often-challenging topic of money in marriage. During this session, you'll learn how to improve financial communication, and build a stronger, more united approach to managing finances together.
Tomi Toluhi on money ideas for marriage
By Tomi Toluhi March 22, 2025
Do you ever feel like money has created a barrier between you and your spouse? Maybe arguments flare up over budgeting—one of you saves while the other spends—or you feel nervous to even suggest spending. It’s as if you both see money completely differently, and before you know it, finances are creating conflict instead of connection. The truth is, money can be one of the most challenging aspects of any relationship. But understanding the unique way you and your spouse view money can drastically improve the strength of your connection and sense of harmony in marriage. Here are three things that could transform your marriage and help you build greater financial intimacy.
A man is carrying a woman on his back and they are laughing.
By Tomi Toluhi December 18, 2024
Sharon was a God-loving, go-getting, hard-driving, ambitious woman with grand dreams of conquering the world. She had all her plans carefully laid out. She would own her own business by 35, hit her first million by 37, exponentially grow her business and by 40 she would branch out into real estate acquisition. Her ultimate goal was to make millions, not for herself, but to provide a better life for orphaned children in her community. She had felt the pain of being parent-less and passed from relative to relative with no real stability growing up. She knew what it felt like to go to bed hungry and cold. No child should ever have to go through what she went through growing up. She was determined to do everything in her power to rescue, nurture and care for as many orphans as she could. Mark was a stable, godly, focused man with the ministry on his mind. For as long as he could remember, he had always felt a divine call to be a missionary. Reaching unreached people-groups was his consuming passion. He knew without a shadow of a doubt that he wanted to spend his life preaching, teaching and pastoring in an island community where no Christian church existed. He was committed to living among these forgotten people and reflecting the light and love of Jesus to them. Then Mark met Sharon. They fell in love, had a whirlwind courtship, got married…and reality struck. You can already tell where their story is heading. Wondering what became of Mark and Sharon? We will never find out because they are entirely fictional but their story illustrates a point which I have observed graphically playing out in some marriages. It is entirely possible to fall in love with someone who shares your Christian values but whose life values are wildly different from yours. Your values manifest in two different ways; what is right and what is wrong in your view, and what matters to you most. The dictionary supports this distinction in our understanding of values. Values could refer to the principles or standards of behaviour which you subscribe to, including your commitment to live by Biblical standards, but on the other hand values could equally refer to your judgement of what is important in life. Sometimes Christian singles are encouraged to pursue a relationship with someone because they are both Christians and want to please God with their lives, ignoring the fact that pleasing God means different things to different people. Your desire to please God will play out differently in your life compared to the person who sits next to you in Church on Sunday, based on your values. Your assignment is to find someone whose life values align closely to yours so that you can both stay true to your values in marriage. To some people, pleasing God simply means living a quiet life raising their families in a godly manner. Others want to go out in the marketplace, business, politics or academia and make a big difference as leaders. Yet others want to dedicate their lives fully to God’s work in some form of ministry, caring spiritually for a lost and dying world. None of these approaches is more noble than the next; they’re just different. What is right for one person may not be right for the other. It’s all a question of what matters to you and how God wired you internally. Amos 3:3 makes a succinct statement in this regard. “Do two people walk hand in hand if they aren’t going to the same place?” In other words, before you hitch your wagon to someone else’s vehicle, ask yourself “Are we heading in the same direction?” If someone is heading for Australia and the other person is heading for Austria, the destinations sound similar but the direction of travel for those two countries is completely different. The destination you intend to arrive will determine the route you choose to travel in life. If you get in the same vehicle with someone going in a different direction, one of three things will happen; you will arrive at your desired destination and they won’t, they will arrive at their desired destination and you won’t, or neither of you will arrive at your preferred destination. When people fall in love and emotions are running high, it’s easy to think that these things don’t matter, or that they will sort themselves out with time. Twenty years of counselling married couples suggests otherwise to me. When the music stops and the stars fall out of their eyes, reality collides with fantasy as they slowly come to terms with the fact that one or both of them will need to compromise on their values for the survival of their marriage, and compromise you must. If you are already married to someone whose values are diametrically opposed to yours, compromise is your only option because in God’s eyes the survival of your marriage has to take precedence over your closely held dreams. When I think about my life and the things that drive me daily, I realise how blessed I am to be married to a man who is driven by a similar impetus. He encourages me to fulfil God’s call for my life because it aligns with God’s call on His life. Our values are congruent. I shudder to think what my life would have been like if I had married a man who dances to the beat of a different drum. I would have had to lay aside all the possibilities before me to embrace a different future. It would have been a painful but inescapable compromise. Values are critical because they influence how you choose to spend your energy, where you invest your time and how you allocate your money. Consequently, if your values are fundamentally different from your spouse’s, you may love each other but you will not be able to enjoy living with each other until you have made deep and necessary compromises. There will be many fault-lines and potential battlegrounds where you will disagree and there will be no ‘right’ answer. If you want different things in life but you want to be in each other’s lives, something will have to give. You will either have to be faithful to your love or faithful to your values; the best marriages occur when you can be both at the same time.  If you’re considering getting married to someone, spend time exploring with them what their values are. Ask questions and read between the lines of every conversation, trying to sense what matters to them. Crucially, observe their lifestyle. A person’s values are more eloquently conveyed by the life they live than the words they speak. When you observe the trajectory of someone’s life, where they will land is predictable. An oak tree doesn’t become one overnight, but the leaves of the tiny seedling will tell you what it’s future holds. Ask…listen…observe, and above all else be prayerful.
More Posts