在關係方面，大多數夫妻都想很快弄清楚他們是否具有相似的價值觀，想要孩子以及他們的未來可能會是什麼樣。
When it comes to relationships, most couples will want to figure out pretty quickly whether they have similar values, if they want kids, and what their future together might look like. But one topic that often gets overlooked? Money. It’s not the sexiest thing to discuss, but avoiding it can lead to some serious problems later on. Whether it’s different views toward spending, mismatched financial goals, or hidden debts, money issues can cause tension in even the strongest relationships. So, if you’re unsure what to ask — or why it matters — here are six key money questions to discuss with your partner before settling down. 1. What are your financial goals? Understanding each other’s financial goals is crucial to ensuring your on the same page, according to Clare Moffat, pensions and tax expert at Royal London. She explains: ‘Whether it’s saving for a house, investing for the future, or paying off debts, aligning your goals can help prevent conflicts and build a stable future together.’ As more people marry later in life than in previous generations, Clare notes this brings a different dynamic to money conversations. She explains: ‘It’s exciting and can be a fresh start, but it’s also normally a stage when you have the most assets, and you might have children from previous relationships. ‘Taking legal and financial advice to avoid financial pitfalls can be crucial.’ 2. What’s your credit score? While it’s by no means a first-date question, knowing your partner’s credit score is essential. Clare explains: ‘Many people are unaware that getting married can involve taking on legal liabilities your partner may have.’ While you would not be liable for debts that are just in your partner’s name, you could be responsible for the whole of debts that are in joint names. ‘If you have a joint account for example, both partners in marriage are equally responsible for debts, regardless of who incurred them,’ says Clare. ‘This includes joint loans, mortgages, and bank accounts.’ It’s therefore important to discuss your approach to debt. ‘It’s vital to include any existing loans or credit card balances,’ says Clare. ‘One partner’s debt can impact joint financial decisions and even affect credit scores if you have joint credit.’ 3. What are your spending habits? ‘Given that money is a common cause of arguments, it’s essential to understand each other’s spending habits,’ Clare explains. Whether your partner is a saver or a spender, and what they prioritize when it comes to outgoings, can help you set mutual budgets and avoid surprises that could lead to arguments. 4. How should we manage our finances? While some couples often have one person taking on the majority of the financial decisions, Clare advises sharing the load. She explains: ‘Deciding whether to keep finances separate, combined, or a mix of both is an important conversation. ‘It influences transparency, trust, and financial management in the relationship. Setting clear boundaries and systems can help avoid misunderstandings.’ If you have a joint account, Clare suggests that you should be clear about its purpose from the outset. ‘For example, you should agree on how you will split household bills. This is particularly important if one of you earns more than the other. Some people automatically assume it will be 50:50, no matter how big the pay gap, so it’s worth clarifying before the bills mount up,’ she explains. 5. What are your views on prenups? ‘Prenuptial agreements can be a delicate topic and, although not always legally binding depending on where you live, they are generally taken into account by the courts,’ she explains. ‘So it may be one to consider if you want to protect assets accumulated before marriage, for example, if you own a business.’ Clare adds that it’s also important to be mindful of the financial implications of divorce. 6. Can we keep talking? Talking about money once isn’t enough in relationships. Clare explains that it’s crucial to keep the conversation going. She says: ‘You’ll both grow in your marriage. Your circumstances may change, or you may feel like you want different things from your finances—and your life.’ So, Clare says to make sure you agree from the outset that money and finances will always be an evolving conversation. ‘Keep talking about money and try to address any issues early on, before they become big problems,’ she says. James Brien, founder of Easy Online Divorce and author of The Mindful Divorce, says that while the topic may be uncomfortable for many, discussing finances is essential for healthy relationships. Disagreements around money are a major contributor to divorce and relationship breakdowns. He explains: ‘Money and finances cause more problems in relationships than anything else. What can start as small disagreements can eventually lead to ongoing resentment and secrecy. Over time the problems get bigger and bigger until eventually the relationship breaks down completely.’ But how should you broach the subject? According to James, it’s important to
在關係方面，大多數夫妻都想很快弄清楚他們是否具有相似的價值觀，想要孩子以及他們的未來可能會是什麼樣。但是一個經常被忽略的話題？錢。這不是最性感的事情，但是避免它可能會導致一些嚴重的問題。無論是對支出，不匹配的財務目標還是隱藏的債務的不同看法，金錢問題都會在最牢固的關係中造成緊張局勢。因此，如果您不確定要問什麼（或為什麼重要），這裡有六個關鍵問題，可以與您的伴侶進行討論。 1。您的財務目標是什麼？皇家倫敦的退休金和稅務專家克萊爾·莫法特（Clare Moffat）表示，了解彼此的財務目標對於確保您在同一頁面上的財務目標至關重要。她解釋說：“無論是為房屋節省，投資未來還是還清債務，保持目標都可以幫助防止衝突並共同建立穩定的未來。”由於克萊爾（Clare）指出，隨著人生以後的婚姻與前幾代人相比，這給金錢對話帶來了不同的動態。她解釋說：“這很令人興奮，可能是一個嶄新的開始，但通常也是您擁有最多資產的階段，並且可能有以前的關係中的孩子。 “接受法律和財務建議以避免財務陷阱至關重要。” 2。您的信用評分是多少？雖然這絕不是一個第一的問題，但了解您的伴侶的信用評分至關重要。克萊爾（Clare）解釋說：“許多人不知道結婚可能涉及承擔伴侶可能承擔的法律責任。”雖然您對僅以伴侶的名義的債務不承擔責任，但您可能會對以聯合名稱的全部債務負責。克萊爾說：“例如，如果您有共同的帳戶，婚姻中的兩個夥伴都同等責任債務，無論誰招致他們。” “這包括聯合貸款，抵押和銀行帳戶。”因此，討論您的債務方法很重要。克萊爾說：“包括任何現有的貸款或信用卡餘額至關重要。” “一個合夥人的債務可能會影響聯合財務決策，甚至會影響您的信用評分，如果您擁有聯合信貸。” 3。您的支出習慣是什麼？克萊爾解釋說：“鑑於金錢是引起爭論的普遍原因，因此必須了解彼此的支出習慣。”無論您的伴侶是儲蓄者還是造物主，以及他們在淘汰時的優先級，都可以幫助您設定相互預算，並避免出現可能導致爭論的驚喜。 4.我們應該如何管理我們的財務狀況？儘管有些夫婦通常有一個人承擔大部分財務決策，但克萊爾建議分擔負擔。她解釋說：“決定是將財務分開，合併還是兩者的混合是一場重要的對話。它影響關係中的透明度，信任和財務管理。設定明確的界限和系統可以幫助避免誤解。”如果您有一個聯合帳戶，克萊爾建議您從一開始就應該清楚其目的。例如，您應該就如何分配家庭賬單達成共識。如果你們中的一個比另一個人的收入更多，這一點尤其重要。她解釋說：“有些人會自動認為這將是50:50，無論薪酬差距有多大，因此在賬單上升起之前都值得澄清。” 5。您對Prenups有何看法？她解釋說：“婚前協議可能是一個微妙的話題，儘管並非總是根據您的居住地在法律上具有約束力，但法院通常會考慮它們。” “因此，如果您想保護結婚前積累的資產，那麼如果您擁有企業，則可能是考慮的。”克萊爾（Clare）補充說，要注意離婚的財務影響也很重要。 6。我們可以繼續說話嗎？曾經談論金錢在人際關係中還不夠。克萊爾（Clare）解釋說，保持對話的進行至關重要。她說：“你們倆都會在婚姻中成長。您的情況可能會發生變化，或者您可能會覺得自己想要與財務和生活的不同事物。”因此，克萊爾說，確保您從一開始就同意金錢和財務將永遠是不斷發展的對話。她說：“繼續談論金錢，並在成為大問題之前儘早解決任何問題。” Easy Online離婚的創始人詹姆斯·布里恩（James Brien），也是正念離婚的作者，他說，儘管這個話題可能對許多人感到不舒服，但討論財務對於健康的關係至關重要。金錢上的分歧是離婚和關係破裂的主要貢獻者。他解釋說：“金錢和財務在人際關係中造成的問題比其他任何事情都要多。可以從小小的分歧開始，最終會導致持續的怨恨和保密。隨著時間的流逝，問題變得越來越大，直到最終戀愛關係完全分解。”但是，您應該如何提出主題？根據詹姆斯的說法，重要的是
