Money & Marriage: Financial Questions to Discuss Before Saying “I Do”

Hello lovely readers of The Finance Genie! Today, we’re venturing into the exciting yet often nerve-wracking intersection of love and finance.

Getting married is a beautiful journey of two souls, but it’s also the merging of two financial worlds. So before you pick out wedding colors and taste-test cakes, let’s chat about the essential financial questions you and your beloved should discuss.

1. How Deep is Your Debt?
Let’s start with the elephant in the room – debt. Both of you need to lay your cards on the table. Whether it’s student loans, credit card debt, or personal loans, understanding the amount and type of debt each of you has will set the foundation for your financial future together.

2. What’s Your Credit Score?
Although it might not sound as romantic as discussing honeymoon destinations, knowing your partner’s credit score is essential. It impacts significant future decisions, like getting a home loan or even renting an apartment.

3. How Do You Envision Our Financial Future?
Dream together! Whether it’s buying a cozy home, going on annual vacations, or sending your kids to the best schools, discussing these dreams can give you a roadmap for your financial journey ahead.

4. Joint or Separate Accounts?
There’s no one-size-fits-all answer here. Some couples swear by the ease of joint accounts, while others prefer the autonomy of separate ones. Talk about what makes you both comfortable and find a middle ground.

5. How Will We Handle Emergencies?
Life is unpredictable. It’s crucial to discuss building an emergency fund. Determine how much you both think is necessary and develop a plan to achieve this goal.

6. What Are Our Spending Habits?
Are you a saver while your partner enjoys retail therapy? Understanding and respecting each other’s spending habits can help prevent future financial disagreements. It’s all about balance and compromise.

7. How Will We Save for Retirement?
Discuss retirement plans early on. Whether it’s contributing to a 401(k) or investing in other retirement avenues, make sure you’re both aligned with the plan.

8. What About Investments?
If either of you has investments or is keen on exploring them, it’s essential to discuss risk tolerance and goals. Whether it’s stocks, bonds, or real estate, make sure both of you are on the same page.

9. How Will We Handle Financial Gifts or Inheritances?
Money gifts or inheritances can sometimes come with strings attached. Discussing how you’ll manage or allocate such funds is crucial.

10. What’s Our Plan for Big Purchases?
From buying a car to choosing a home, big-ticket purchases are a significant part of married life. Decide on how you’ll save, the budget, and the kind of financial commitments you both are comfortable with.


Love might be the glue that binds a relationship, but clear financial communication ensures that you both are rowing your marital boat in the same direction. Remember, it’s not just about the questions but the open-hearted, judgment-free conversation that follows.

By discussing these questions, you’re building a sturdy bridge to a harmonious financial future. Cheers to love, trust, and a solid financial game plan!

NEXT: 6 Money Moves That Millennials Should Be Making Right Now

Disclosure: The information provided by The Financial Genie is for informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs. The Financial Genie does not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. Additionally, some of the organizations with products on our site may pay us a referral fee or affiliate commission when you click to apply for those products.