The Love Bank
Inside all of us is a Love Bank with accounts in the names of everyone we know. When these
people are associated with our good feelings, "love units" are deposited into their accounts, and
when they are associated with our bad feelings, love units are withdrawn. We are emotionally
attracted to people with positive balances and repulsed by those with negative balances. This is the
way our emotions encourage us to be with people who seem to treat us well, and avoid those who
seem to hurt us.
The emotional reactions we have toward people, whether attraction or repulsion, is not a matter
of choice. Love Bank balances cause them. Try "choosing" to be attracted to those you associate
with some of your worst experiences -- it's almost impossible. Or try to feel repulsed by those
associated with your best feelings. You do not decide whom you will like or dislike -- it's their
association with your feelings, whether they have made Love Bank deposits or withdrawals, that
determines your emotional reactions to them.
We like those with positive Love Bank balances and dislike those with negative balances. But if an
account reaches a certain threshold, a very special emotional reaction is triggered -- romantic love.
We no longer simply like the person -- we are in love. It's a feeling of incredible attraction to
someone of the opposite sex.
The feeling of love is the way our emotions encourage us to spend more time with someone who
takes especially good care of us -- someone who is effective at making us very happy and
knows how to avoid making us unhappy. We would certainly want to spend time with someone we
simply liked, but by giving us the feeling we call love, our emotions give us added motivation. We
find ourselves not only wanting to be with the person, but also craving that person. When we are
together we feel fulfilled, and when apart we feel lonely and incomplete. So the feeling of love is
usually effective not only in drawing people together for significant amounts of time, but also in
encouraging them to spend their entire lives together in marriage.
But our emotions give us more than the feeling of love. When they identify someone who makes us
happy, they also motivate us to reciprocate by encouraging us to make that person happy. They do
this by making it seem almost effortless to do what makes most of us the happiest. Have you ever
noticed that when you are in love, you seem instinctively affectionate, conversant, admiring and
willing to make love? That's because your emotions want to keep that person around, so it gives
you instincts to help you make that person happy which, if effective, triggers his or her feeling of love
for you. The "look of love" not only communicates our feeling of love for someone, but also reflects
our instinct to do whatever it takes to make that person happy.
When a man and woman are both in love, their emotions encourage them to make each other
happy for life. In fact, the thought of spending life apart is usually frightening. It seems to them that
they were made to be together for eternity. In almost every case, a man and woman marry because
they are in love, and they are in love because their love bank balances are above the romantic love
But what goes up can usually come down, and love bank balances are no exception. As most
married couples have discovered, the feeling of romantic love is much more fragile than originally
thought. And if Love Bank balances drop below the romantic love threshold, a couple not only lose
their feeling of passion for each other, but they lose their instinct to make each other happy. What
was once effortless now becomes awkward, and even repulsive. Instead of the look of love,
couples have the look of apathy. And without love, a husband and wife no longer want to spend
their lives together. Instead, they start thinking of divorce, or at least living their lives apart from one
It should be obvious to you by now that the Love Bank is an extremely important concept in
marriage. If you want your instincts and emotions to support your marriage you must keep your Love
Bank accounts over the romantic love threshold. But how can you keep your balances that high?
And what can you do if they have already fallen below that threshold?
I've worked long and hard to find answers to those questions, because they hold the key
to saving marriages. Without love, spouses are poorly motivated to remain married for life, but
with the restoration of love and its accompanying instinct to spend life together, the threat of divorce
is overcome. Marriages are saved when love is restored.
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. A husband and wife must learn how to make each other happy, and how to stop making each other unhappy.
The next concept will help you understand why you behave the way you do, and what you can do to change your behavior.
Instincts and Habits