Prevent a Rift: 钱 Tips for Newlyweds
One survey found that 35% of couples attribute stress in their relationship to financial issues. This could explain why some experts say financial problems are one of the top reasons marriages fail.1,2
幸运的是, when couples work together to address their finances, they may be able to mitigate many of the problems money may cause in a marriage.
10 Tips for Newly Married Couples
沟通 - Couples should consider talking about their financial goals, 记忆, 和习惯, as each partner may come into the marriage with fundamental differences in experiences and outlooks driving their behaviors.
设定目标 - Setting goals establishes a common objective that both partners become committed to pursuing.
制定预算 - A budget is an exercise for developing a spending and savings plan that is designed to reflect mutually agreed-upon priorities.
Set the Foundation for Your Financial House -确定资产和债务. Look to begin reducing debts, while building your emergency fund.
一起工作 - By sharing the financial decision-making, both spouses are vested in all choices, reducing the friction that can come from a single decision-maker.
Set a Minimum Threshold for Big Expenses - While possessing a level of individual spending latitude is reasonable, large expenditures should only be made with both spouses’ consent. Agreeing to a purchase amount should require a mutual decision.
定期召开会议 - Set aside a predetermined time once or twice a month to discuss finances. Talk about budgeting, upcoming expenses, and any changes in circumstances
更新及修订 -作为新婚夫妇, you may need to update the beneficiaries on your accounts, reevaluate your insurance coverage, and revise (or create) your will.3
爱，信任和诚实 - Approach contentious subjects with care and understanding, be honest about money decisions you know your spouse might be upset with, and trust your spouse to be responsible with handling finances.
Consider Speaking with a Financial Professional - A financial professional may offer insights to help you work through the critical financial decisions that all married couples face.
1. CNBC.2023年5月9日
2. Investopedia.2023年6月10日
3. 起草遗嘱时, consider enlisting the help of a legal, 税, or financial professional who may be able to offer additional insight, especially if you have a large estate or complex family situation.
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