6 Reasons Every Couple Should Talk About Money

Couples and Money: 3 Questions Couples Must Ask Before Getting Married |  Money

This is the first post in a series on “couples and money”, leading up to Valentine’s Day.

Talks about money are an important part of any couple’s long-term success. Talking about money together will ensure that you’re creating a joint vision, are on the same page, and that you can pursue your shared and individual goals in life. Additionally, by talking about money on a regular basis healthily and productively, you’ll avoid many problems as well as ensure your financial future together.

To Create a Joint Vision

You may have very different ideas about what constitutes success. However, if you never talk about money and your goals you won’t even know if the reason you have problems with your spouse is due to huge differences in those goals. For example, for one of you, home ownership might be an important way that you define success. The other partner may prefer to rent, due to not wanting maintenance responsibilities or some other reason.

You won’t know if you don’t talk about it. When you find out that you have different ideas, you can try to forge a middle path that can help you both. For example, instead of buying a house, you may choose to buy a condo to cut down on some of the maintenance concerns.

To Ensure You’re on The Same Page

If you want to make sure you’re both on the same page about a goal, talking about it can only help. Even if you don’t want the same things, understanding why it’s important to the other spouse can go far in helping make it something you are concerned with too.

To Pursue Shared Goals in Life

Shared life goals are an important part of marriage. Saving for the future so that you can travel, or check things off your bucket list is a wonderful way to plan your finances. It gives you both something to work for and plan for in the future.

To Meet Individual Life Goals

Even though you put your incomes together you each likely have your own individual goals in life. For example, maybe one of you wants to go to graduate school, or start their own business, discussing this through finances is a good way to ensure that all your goals can be met together.

To Avoid Problems

If you never talk about money, 20 years can go by without either of you paying attention. You may wind up with no savings, and no future. This is not a good thing. While you can ensure that you save enough with a plan going about things without a plan is only asking for problems.

To Ensure Your Financial Future

Nothing is going to happen without you and your spouse doing something actively to put money in savings, in investments, and keeping your debt low. If you are both on the same page, and discuss and make plans together, it’s more likely to happen the way you envision it.

Final Word

Talking about money doesn’t have to be hard. Money is only one part of your life together, but it’s what is going to help you meet your goals and live a happy life. Talking about it and setting yourself up for success will simply remove the stress that doesn’t even need to exist, and ensure your future is bright.


  1. I completely agree with these. I was married years ago and we never discussed money and the result was two different visions and goals. In my current relationship, we discuss money, goals and visions often. It definitely feels healthier and more open.


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