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Talking About Money Before Marriage

Talking About Money As an Engaged Couple

For many couples, handling a wedding budget is the first big money conversation of the relationship. Sure, a lot of couples live together pre-engagement and have household expenses to pay, but there's a big difference between splitting the cable bill and considering both yours and his priorities in terms of shared money. He wants to arrive in the stretch Hummer with his boys, but you want the wedding day Jimmy Choos and your wedding budget can't handle both — these are just smaller versions of what you'll have to tackle together financially in the near future. To see which money topics you should cover before saying "I Do" just


Whether you plan on waiting until you're married to combine bank accounts, get a joint credit card, or if you intend on keeping all income separate, these issues needs to be addressed before the wedding. These topics aren't always easy to discuss, especially if the two of you have differing opinions, or if one of you has a much higher income, but this is one conversation that can't wait until you're a Mrs. Because whether or not you'll be combining funds, at least to some extent, you'll definitely be making financial decisions together throughout your marriage. Step one is figuring out how to organize the money that will be used in these decisions.

Talk about the state of your money. You owe it to your fiancé to be honest about any outstanding debt and he has the same responsibility to you. Figure out where you stand creditwise as a couple and make a plan to pay off the debt. It's especially important to decide how you'll handle any debt that you've acquired before marriage — will you pay it off together or should you keep enough in a separate account to make your own personal debt payments?

The third topic to cover before walking down the aisle is setting expectations for the future. While for some couples this may be common sense, for others it seems like it doesn't need to be talked about because the answers are simply understood. But assumptions can be very wrong, so you need to have an open discussion about where both of you see yourselves careerwise and if one of you wants to stay home with any future children. Get this stuff out of the way now and your newlywed selves will start off on the right feet.

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