Whether you’re in a new relationship or have been together for years, talking about money can be a touchy subject with your partner. It’s hard to know where to start, what to say, and how to broach the topic without causing an argument. Luckily, we’re here to help! Here are 6 tips for talking about money with your partner:

1. Talk about your money story.

We all have a “money story”—a set of beliefs and experiences that shape our relationship with money. Before you can have an honest conversation about money with your partner, it’s important that you understand your own individual money story. Once you’re aware of your own biases and triggers, you’ll be better equipped to have a productive conversation with your partner.

2. Set realistic expectations.

It’s important to set realistic expectations for yourselves and for your relationship when it comes to money. What are your financial goals? Do you want to save up for a house? retirement? a rainy day fund? Vacations? Work together to create a plan that will help you achieve your goals.

3. Communicate openly and honestly.

Money can be a sensitive subject, but it’s important to communicate openly and honestly with your partner about your finances. If you’re not comfortable sharing all the details of your finances, that’s okay! But do be honest about what you can and cannot afford. Honesty is key in any relationship, and this is no different.

4. Respect each other’s wishes.

Just because you’re in a relationship doesn’t mean that you have to agree on everything—and that includes money matters! If one of you is a saver and the other is a spender, respect each other’s wishes and find a middle ground that works for both of you. Maybe you agree to save a certain percentage of your income each month while still allowing yourselves some fun “splurge” items now and then.

5. Seek professional help if necessary.

If you’re having trouble agreeing on financial matters or simply want some outside perspective, don’t hesitate to seek professional help from a financial planner or therapist specializing in relationships. They can offer unbiased guidance and support as you work through these difficult conversations.

Talking about money can be tough, but it doesn’t have to be! By following these tips, you can have productive conversations with your partner about your finances—without any arguments!

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