Valentine’s Day is often framed as a spending test: flowers, candy, dinner reservations and gifts that signal effort through price tags. But over the past few years, I’ve realized the gifts that actually reduced stress weren’t things I purchased. They were things I took responsibility for.

As a money and domestic labor expert who works with dual-career couples, I see this pattern constantly: Financial stress can often be a result of invisible labor and mental load that quietly accumulate on one partner.

Here are four Valentine’s Day gifts I’ve given my wife that costed $0, but paid dividends all year.

Women still spend more hours than men on caregiving and household management, even when they earn as much or more. If that’s true in your home, one of the most meaningful gifts you can give is to fully take a chore your partner hates off their plate.

I took ownership of everything food-related: meal planning, grocery shopping, food budgeting, cooking and dishes.