Her Money: Money Talks to Have Before Marriage
Divorce happens for a multitude of reasons – but financial issues are a common trigger for the decline of a relationship. So, what can you do before getting married to prevent or at least lessen the chances of your relationship breaking down due to money-related stress? In an article by Her Money, we list out seven critical talks every couple should have before they wed.
A few of the financial topics every couple should talk about before they get married (or even move in together) are:
- What accounts or expenses will you share, and are there any you'd like to keep separate?
- Do you want children, and if so how will you cover all their expenses – from room essentials to food and their future education?
- How do you each feel about taking financial risks (such as investments)?
Read the full article on Her Money here.
FAQs
Why talk about money before marriage?
To avoid conflict, build trust, and align on goals from the start.
What should we talk about?
Income, debt, credit, spending styles, family obligations, and account setup.
Do we have to combine accounts?
No—choose a system that supports trust, fairness, and transparency.
How do we handle premarital debt?
Be honest about it and decide together how it will be paid.
Do we need a prenup?
It can protect both of you and clarify financial expectations.
How often should we revisit money talks?
At least annually or when big life changes happen.
Step-by-Step: How to Have Money Conversations Before Marriage
Step 1: Choose a calm time to talk
Set yourselves up for a productive, loving conversation.
Step 2: Share your financial picture
Lay out income, debt, assets, and obligations.
Step 3: Discuss money styles
Understand how each of you thinks and feels about money.
Step 4: Decide how to manage expenses
Pick a joint, separate, or hybrid system.
Step 5: Plan for debt and goals
Align on what you’re building together.
Step 6: Put it in writing
Use a prenup or agreement for clarity and protection.
