Invest in Your Relationship: The Emotional Bank Account (2024)

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

After observing thousands of couples in our Love Lab for more than four decades, we 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.

We realized how, 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, we use a simple concept that 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 towards or turn away.

Turning towards 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 in the lab, 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 black, 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 towards, 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.

That sounds challenging, right? Well, try reframing your approach to conflict: you don’t necessarily have to be agreeable or overly accommodating. But you should turn towards your partner, listen to them, ask them to tell you more, validate their perspective, and 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 marriage 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 black 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 towards 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. The Normal Bar 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 towards 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.

You can’t put a price on that.

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Invest in Your Relationship: The Emotional Bank Account (2024)

FAQs

What is invest in an 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.

What does covey mean by the emotional bank account? ›

An emotional bank account is an account of trust instead of money. It's an account based on how safe you feel with another person.

What is the emotional bank account analogy? ›

Stephen Covey's metaphor of the Emotional Bank Account is a proactive way to establish a foundation of trust. This idea describes relationships just like bank accounts. All relationships start with a neutral balance in the account, and allows for deposits and withdrawals.

What is an emotional investment in a relationship? ›

In simple terms, being emotionally invested in someone or having emotional investment means that your feelings are attached to someone or something. You care about it. A healthy level of emotional investment is something that occurs in balanced relationships.

Why is an emotional bank account important? ›

Covey's concept of an emotional bank account refers to the effectiveness of our relationships with others. Very much like a financial bank account, we can either make deposits or withdrawals – deposits will create greater bonds with others, withdrawals lead to damage and depletion of the relationship.

How do I emotionally invest in my partner? ›

How can emotional intimacy be built?
  1. Share stories together. Part of emotional intimacy is learning about how your partner thinks and feels. ...
  2. Be bad at something new together. ...
  3. Laugh together. ...
  4. Decide to learn something new about your partner. ...
  5. Show affection. ...
  6. Communicate openly. ...
  7. Respect each other's boundaries and individuality.
Mar 25, 2024

How do you make her invest in you emotionally? ›

Follow up on things she tells you about her life. Become invested in her wellbeing. If she likes you back, she will be happy that you're taking an interest in the things that are important to her, and she will reciprocate. When you both feel mutually valued by the other person, you will have that emotional connection.

What does it mean to invest in your marriage? ›

When you invest in your marriage you devote time, money, energy and/or emotion with the expectation of achieving a specific result. | "Investing in yourself is the best investment you will ever make. It will not only improve your life, it will improve the lives of all those around you." —Robin Sharma.

What is an example of a withdrawal from someone's emotional bank account? ›

We all have emotional piggy banks that receive daily deposits and withdrawals from those around us. When someone brings you flowers, it's a deposit! If someone in the family asks when you're having another baby, it might be a withdrawal.

What is a relationship bank account 7 habits? ›

Relationship Bank Account (RBA) (From Covey's 7 Habits of Highly Effective Teens) Your ability to get along with others will largely determine how successful you are in your career and your level of personal happiness. The Relationship Bank Account (RBA) is very much like a checking account at a bank.

How to create an emotional bank account? ›

How to deposit in the Emotional Bank Account
  1. Catch your partner doing something good. ...
  2. Give your partner a compliment. ...
  3. Respond positively to your partner's bids. ...
  4. Do something nice for them. ...
  5. Show genuine interest in your partner and their world. ...
  6. Show your partner physical affection. ...
  7. Spend quality time with them.

What would happen if your emotional bank account is low? ›

Even if you make a mistake in the relationship, the emotional reserves will compensate for it. But if the account balance is low or even overdrawn, then there's no trust and thus no authentic communication. It's like walking in a minefield – you're always on edge and watching every move you make.

How can you use the principle of the emotional bank account? ›

The emotional bank account

You make "deposits" through trust, understanding, and positive interactions with them. Then, you also face "withdrawals" from misunderstandings, difficult decisions, and broken commitments. The balance in each "emotional bank account" determines your ability to influence and lead that person.

What is the love bank principle? ›

All of my remaining basic concepts will help me explain the answer to those questions, but the general principle is simple: If a couple wants to have a happy and fulfilling marriage, they must make as many Love Bank deposits as possible and avoid making withdrawals. To achieve this, behavior must change.

What is the 7 Habits of Highly Effective People emotional bank account? ›

In his book, “7 Habits of Highly Effective People”, Stephen Covey used the term, “deposits in your emotional bank account”. What he explains is that, as you develop relationships with employees, customers, suppliers, or friends, you are opening an emotional bank account with them.

What is an example of an emotional deposit? ›

We all have emotional piggy banks that receive daily deposits and withdrawals from those around us. When someone brings you flowers, it's a deposit! If someone in the family asks when you're having another baby, it might be a withdrawal.

Why would a spouse have a secret bank account? ›

There are certainly many very valid reasons why people do so – financial freedom, peace of mind, autonomy, and security. On the other hand, there are also consequences – breakdown of trust, guilt, anger, and resentment.

What happens to our emotional bank account when we constantly complain? ›

Emotional Withdrawals Break Trust

The opposite is true if you have a habit of showing rudeness, disrespect, interrupting, overreacting, ignoring, lying, and threatening. Overwhelmingly displaying these negative behaviors will eventually lead to overdrawing an emotional bank account. The trust level gets very low.

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