There’s no better gymnasium for building/developing character than in our closest relationships.  Our mate, best friend, parents and kids constitute all of the necessary training equipment that we need to give our patience, tactfulness and resolve a mind-blowing workout that makes P-90X look like kindergarten recess.  (Don’t believe me? You’ve clearly never had teenagers! Or spouses! Or parents! Or siblings…you get the idea, right?)  In this life it doesn’t take long to realize that true friendship—true love—is a full-contact sport.  And guess what? That’s precisely what it’s supposed to be!

Unfortunately, in our fast-paced society it’s easy for even the closest relationships to get stuffed in a corner sprouting clothes-hangers and dust bunnies along with that treadmill and Bowflex.  The problem is that a relationship gathers garbage that’s a lot more hazardous than dust.  Let me put it this way, you can probably put off hitting the gym until after the first of the year, but you had better work on your closest relationships NOW or you’ll wake up tomorrow only to find that they’re not so close anymore!

Today, I want to share with you one of the most important principles for maintaining (or rebuilding) strong relationships with the key people in your life.  If applied correctly and consistently this principle works wonders in any relationship including our customers, neighbors, classmates and co-workers.  However, it works especially well with those you love and are closest to…or for that matter someone that you want to be closer to.

How Big is your Bank Account?  (Nope—not that one!)

Have you ever wondered why couples get short-tempered with each other?  Or why they reach a point in their relationship where they can’t talk about certain subjects without automatically getting into a fight?  The answer is that their “Emotional Bank Account” has become overdrawn.  Let me explain.

In his book The Seven Habits of Highly Effective People, Dr. Stephen R. Covey describes an Emotional Bank Account as “a metaphor that describes the amount of trust that’s been built up in a relationship.” [a]  If we are constantly making deposits through kindness, honesty, courtesy and thoughtfulness then the relationship’s account becomes rich and even builds up a reserve.  When this reserve is high then we have a little more margin in our relationships for misunderstandings or emotionally touchy issues.  No one feels threatened and everyone feels better about working towards a solution.

However, when we don’t make regular deposits in our relationship’s account or choose to make withdrawals through dishonesty, discourtesy and selfishness then we find that we have no margin left with the other person.  That’s when conversation topics become touchy and attitudes flare over seemingly insignificant things.  Marriages and relationships whose account is in this condition do not survive when the really big challenges come.

The Best Deposits

Dr. Covey goes on to explain that the BEST deposits that we can make are ones that the other person will see VALUE in.  This requires being open and sensitive to their desires and needs above our own. For example, if we are a baseball fan but our spouse is not, then it might not be a good idea to buy them tickets to the Braves season opener as a way of apologizing for a fight.  The gesture may be well-intentioned but it will never have the right perceived value to our spouse.  In fact, they’ll probably believe that we’re trying to please ourselves rather than them.  And guess what, they’d be right!  So, the first and most important deposit that we can make in the emotional bank account is to try to sincerely understand the other person.  This requires us to “walk a mile in their moccasins” and opens us up to see the world from their perspective.  Then we can understand how to say or do things that are of REAL value for them.  (This is not to say that they always are right.  Understanding what they are thinking is not an exercise in right and wrong but in awareness.)

The second is to be attentive to the “small things” in the relationship.  Little courtesies and kindnesses go a long way!  This is especially effective when we become good at understanding the other person’s desires and needs.  Anytime that we act upon someone’s preferences, especially if it is unexpected, then they feel cared about.

Equal in importance to the first and second deposits is the third: Keeping your commitments no matter the cost.  Trust is only built after we have followed through on our promises and commitments, especially in those “small things” mentioned above.  If you prove through consistent action that your word is your bond then you’ll never have to tell anyone again because they’ll be able to perceive it from your actions.  Nothing can undermine a good relationship quicker than a lack of trust built through broken promises!  But of course, realistically, life doesn’t always go according to plan and sometimes we can’t keep our commitments.  In these times it’s important to be forthcoming and explain to the other person why we are unable to follow through.  Nine times out of ten if we’ve already built up a track record of keeping our commitments then the other person will understand even if they are disappointed.

Another deposit that goes a long way in our relationships is to demonstrate impeccable personal integrity.  If we’re always criticizing the faults of others when they’re not around then it’s reasonable for our listeners to believe that we’d probably do the same to them.  People instinctively build up defensive walls in any relationship where one side constantly focuses on the mistakes or shortcomings of others.  However, if someone sees that we’ll go out of our way to ‘think the best’ of others (especially in areas where they’ve fallen short or have made mistakes) and are patient, kind and forgiving of others then they’ll naturally feel more comfortable and be more open with us.  They will perceive us as someone who is worthy of trust.

Deposits = Timeless Principle

Making deposits boils down to the timeless principle known as the Golden Rule: “Do unto others as you would have them do unto you”. Dr. Covey points out that these are not as much specific actions as they are a demonstration of our willingness to fully understand and work with others.  People often pretend to be tough but on the inside they are really just as tender and vulnerable as we are.  They just want to “feel” understood and appreciated.  This requires us to put our ego and pride to the side and really get to know the other partner intimately and make deposits that would count for them specifically.

Did you know that in biblical times that the number one job of a newly married man was to spend a year making his wife happy?  I’m not kidding!  For an entire year a newlywed man was not allowed to serve in military, business or civic duties.  He had to spend that entire first year setting up and establishing a household that could endure for a lifetime.  Most important among these duties was to learn and discover the likes, dislikes and preferences of his new bride.  The biblical law only specified one stipulation: that he was to “cheer her up” or “make her happy”. [b]

Can you imagine having a full year with nothing more important to do than getting to know your mate and make steady deposits in their Emotional Bank Account?  Can you imagine how strong of a family you could build on such a foundation?  Wouldn’t that help out so much with some of life’s inevitable pushes and pulls that try most normal relationships to the breaking point.  Unfortunately, we don’t have a comparable rule in our society today, and our rate of divorce shows it.  Today, it’s up to us to be proactive in order to apply that type of effort to our marriages. But the investment is well worth it and its dividends never quit paying off!


Each of us can improve our closest relationships right now by applying the Emotional Bank Account Principle.  This is true even if the relationship has become strained or damaged.  It just requires a firm commitment to make continual deposits even if the other person is not committed or doesn’t initially respond favorably.  It takes time and consistency to get back on track when a relationship has “gone into the red”.  The film Fireproof provides an excellent example of the type of sacrifice and commitment that it takes to repair a relationship that is under strain.  I highly recommended for couples to watch, especially if their experiencing some problems in their relationship. One thing that the film brilliantly depicts is that the motivation for ‘fixing’ the relationship problems can’t be for ones SELF…it must be solely for the good of their partner!  Love is outgoing and out-flowing only.  However, by continually making those little deposits day after day fruit will ultimately be bared.  But you’ve got to make them when they’re not reciprocated, when their not appreciated and even when their not acknowledged.  You’ve got to deposit into the emotional bank account until the other person no longer feels that it’s in the red…and even then you’ve to keep making them.  But even the biggest mountain is no match for a steady, gentle stream and a little time.

Next Time

This article is the first in a series of related articles that will focus on building strong relationships.  In our next article we’ll focus specifically on a practical, straightforward way for finding what deposits to make in someone’s Emotional Bank Account.  And we’ll even learn the art ‘reading people’ from a very successful steakhouse server…how does that tie in to relationships?  You’ll be surprised!  Trust me, you don’t want to miss it!

Until next time…

[a] Covey, Stephen R. – The 7 Habits of Highly Effective People – ebook pg 93

[b] Deuteronomy 24:5


About Michael Bowers

My name is Michael Bowers and I invite you to go on a QUEST with me. It’s not a quest to change the world but rather to change ourselves. We’ll call it a “Character-Quest” because it will be about BEING or BECOMING examples of substance and integrity in everything we do…striving to live a life of pure excellence! And you know what? I’m a firm believer that if we first concentrate on overcoming our own problems then we naturally gain needed leverage for helping others with theirs.
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4 Responses to The INVESTMENT of a LIFETIME

  1. Ginger Sorg says:

    Boy have you got that right!!!! There are some days I would much rather do P90X than deal with my children….. LOLOL , but over-all it is certainly worth the time and investment!! Thank you for this! And a great big thanks from those that have to live with me. Mike and I were just talking the other day about how marriage is just a daily opportunity to learn how to get along!!! As always Michael this really helps me organize my thoughts, especially the concept of an “emotional bank” that we are always making deposits into. That’s a great way to think of it! Keep up the good work! I love this series so keep em’ coming :)))

  2. Sandra Robbins says:

    Just got a ‘head-bobbing’ excerise 😀
    Excellent job Michael!
    Lots to meditate on 🙂

  3. Sherry says:

    Great article Michael..We always need these reminders as daily stresses of life make it so easy to turn inward and focus more on our own stresses than on what those around us are also going through…I loved the “emotional bank account” example.. I refer to it as our “love meter” in our family…:)
    Loooking forward to reading more of what you have to teach!!

  4. Angela B says:

    As Michael’s wife I can truly say he “practices what he preaches”. I’m the overdrawn most often. Every morning (even though I am capable) he wakes me up and brings me a cup of coffee. Every Wednesday we meet for lunch and when we are able we have a “coffee date” after work. Most importantly he subjects himself to grocery shopping at Wal-Mart every week so we have a “grocery date”. What can I say… I’m spoiled. 🙂 We may not have many opportunities for dinner and a movie but I don’t feel slighted because he depositing in so many little ways. I don’t think washing his clothes counts so I guess I’m going to have to work on this one myself. 😉

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