Home » Blogs » Building Relationship Skills » Deposits in Karma Savings and Loan

Deposits in Karma Savings and Loan

LindaSome couples get caught in a higly conflictual style of communication where fighting is commonplace. Because trust is so low at that time, each of the pair is caught up in fears of being dominated by the other. Being on alert to prevent domination from occurring causes them to be guarded, battle ready and aggressive. They struggle over every decision, have great difficulty sharing power and finding their way to acting jointly. Instead of seeing each other as allies, they regard each other as a dangeous enemy.

The origins of such a ghastly dynamic may result from being dominated by one or poth parents in childhood, witnessing oppresison of one parent by another, or having been in a prior adult relationship charactrized by intimidation. Indulging in  the domination and submission game is a sure-fire way to overdraw your account. Metaphorically, you have been spending irresponsibly and wildly without concern about the future.

Even more frequent than the domination and submission game is the pattern of neglect. Far more relationships suffer from passivity. There is a lack of understanding that new deposits need to be made regularly for the account to be abundant. Over time, there is feeling of flatness, numbness, and a senes of “Is this all there is?” Neglect can take a relationship that began with strong passion, aliveness and a expansive vision of what the couple would co-create, to a point of deterioration into the blahs. When there is no fun, adventure, novelty, soon emotional and sexual intimacy will begin to dimnish. Whether the relationship has suffered from the abusive cycle of domination or from neglect, the recovery process is the same.

No matter what the causal factors are, there is a way out of the pattern, and a way to build up the depleted account. Some of the happiest couples report that they went through a period in their marriage that was characterized by either a painful domination and submission game or neglect. But they learned how to build trust by discovering the magic of reciprocity. Once a couple makes this discovery, they are moving on a very different different track. Each and every act of generoisty and reciprocity is a deposit in the Karma Savings and Loan account.

 When we keep making hefty deposits in Karma Savings and Loan, we build up a big account. If there is a broken trust of some kind, a lie, misconduct around money, a broken agreement, sexual misconduct, or a secret revealed, it is so much less likely to bankrupt our relationship. We make deposits in the account by stretching into our partner’s world. For those of us who tend to be self-centered, it’s our work to mature and practice many acts of generosity. Finding out what our partner wants and helping them to get it is our work.

Here are a few examples of reciprocity. If our partner likes a lot of intimacy, we make time for that even if it’s not our high priority. If they thrive by going on family outings, then we intentionally create family trips of different sizes. If they like a lot of sex, we stretch to create more sexual connection, or if they don’t want so much sex, to practice lessons in patience and letting go. If they are more secure with a lot of money in the bank, make more money; save more money; and invest more money.  If they like to travel and you don’t love it as much as they do, stretch to travel more. See if you can come up with the special deposits and Karma Savings and Loan that you each enjoy.

A time can come when there is so much that is working well in the relationship that we wouldn’t do anything to damage the working system because we are enjoying it so thoroughly, that we just wouldn’t do that to ourself. And that’s when the relationship is the most delightful.


Our newest book, That Which Doesn’t Kill Us: How One Couple Got Stronger at the Broken Places, has just been published by Sacred Life Publishers and been receiving rave reviews. Their story is illuminating, instructive, and deeply inspiring. It has been described as being as compelling and engaging as a page-turning novel. The book contains powerful messages that are embedded in its pages that can serve any couple that desires valuable wisdom which can serve them in facing the inevitable challenges that frequently confront many committed partnerships. The book is available online on and Barnes & Noble. You can also receive a signed copy of That Which Doesn’t Kill Us by ordering directly from Bloomwork by calling (831) 421-9822 or emailing us at The cost is $16.95 plus tax, shipping & handling.

Deposits in Karma Savings and Loan


Linda Bloom LCSW and Charlie Bloom MSW are considered experts in the field of relationships. They have been married since 1972. They have both been trained as seminar leaders, therapists and relationship counselors and have been working with individuals, couples, and groups since 1975. They have been featured presenters at numerous conferences, universities, and institutions of learning throughout the country and overseas as well. They have appeared on over two hundred radio and TV programs. Linda and Charlie are co-authors of the widely acclaimed books: 101 Things I Wish I Knew When I Got Married: Simple Lessons to Make Love Last (over 100,000 copies sold) Secrets of Great Marriages: Real Truth from Real Couples about Lasting Love, and Happily Ever After...and 39 Other Myths about Love: Breaking Through to the Relationship of Your Dreams. The Blooms are excited to announce the release of their fourth book, That Which Doesn't Kill Us: How One Couple Became Stronger at the Broken Places. They live in Santa Cruz, California, near their two children and three grandchildren. To view our upcoming events and to sign up for our free newsletter, visit our website at:

No comments yet... View Comments / Leave a Comment



APA Reference
Bloom, L. (2018). Deposits in Karma Savings and Loan. Psych Central. Retrieved on June 19, 2019, from


Last updated: 14 Aug 2018
Statement of review: Psych Central does not review the content that appears in our blog network ( prior to publication. All opinions expressed herein are exclusively those of the author alone, and do not reflect the views of the editorial staff or management of Psych Central. Published on All rights reserved.