Week 1 · Day 55 / 28

Build the Emotional Bank Account

Installing: The 5:1 Ratio

Test — Where Are You Today

Do the math for a week: estimate your ratio. Are you above or below 5:1?

Why It Matters

Gottman's research found that the single number most predictive of relationship stability is the ratio of positive to negative interactions. You cannot save the account with one big transfer. It requires daily deposits.

Solution — Today's Practice

"I appreciate that you [specific action]. It made me feel [emotion]. It mattered because [why]."

Today's Challenge

Stable, thriving relationships are not conflict-free -- they maintain a ratio of positive to negative interactions that lets conflict happen without corroding trust. The ratio isn't about suppressing the negative; it's about making sure deposits happen regularly enough that withdrawals don't bankrupt the account. Today's task: make five intentional positive deposits before the evening, specific enough that they actually register.

Explained
The Emotional Bank Account -- Deposits (turn toward bid +1, celebrate good news +2, ask follow-up question +1, put phone away +1, six-second kiss +1, active-constructive response +2) vs. Withdrawals (turn away from bid -1, dismiss excitement -2, stay on phone during bid -2, sarcastic response -3, turn against bid -5). Healthy marriages maintain a 5:1 positive-to-negative ratio.

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Deposits vs. withdrawals, and the real math behind the 5:1 ratio.

This is the ledger you're actually keeping today, made concrete: a six-second kiss or an active-constructive response counts as a real deposit, while something as small as staying on your phone during a bid registers as a withdrawal. The 5:1 line at the bottom is the same ratio this page's own test question asks you to estimate for your own week -- use the point values here as a rough guide when you count.

Solo

Make Five Deposits

Today's mission: make five specific positive deposits before the evening. Options: a text, a genuine compliment, physical affection, doing a task without being asked, or active listening. Write each deposit down as you make it. Keep the list.

Your response here isn't saved yet -- that lands with activity persistence, a later step.

Couple

Trade Specific Appreciations

Take turns sharing specific appreciations: "I appreciate that you [specific action]. It made me feel [emotion]. It mattered because [why]." Rule: appreciations only -- no criticisms wrapped as compliments.

Your response here isn't saved yet -- that lands with activity persistence, a later step.

Reflect
Make one deposit that costs you nothing but attention.
Your Coach

Reflect with your coach

Are your deposits and appreciations specific enough to name -- and did you catch yourself sneaking a 'but' into one?

Faith Integration
"Let us not love with words or speech but with actions and in truth."
1 John 3:18

Trust isn't built in words -- it's built in small, consistent actions. Every deposit today is love made visible, not love merely spoken.

Program progress

Day 5 of 28

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