在关系方面，大多数夫妻都想很快弄清楚他们是否具有相似的价值观，想要孩子以及他们的未来可能会是什么样。
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
在关系方面，大多数夫妻都想很快弄清楚他们是否具有相似的价值观，想要孩子以及他们的未来可能会是什么样。但是一个经常被忽略的话题？钱。这不是最性感的事情，但是避免它可能会导致一些严重的问题。无论是对支出，不匹配的财务目标还是隐藏的债务的不同看法，金钱问题都会在最牢固的关系中造成紧张局势。因此，如果您不确定要问什么（或为什么重要），这里有六个关键问题，可以与您的伴侣进行讨论。 1。您的财务目标是什么？皇家伦敦的退休金和税务专家克莱尔·莫法特（Clare Moffat）表示，了解彼此的财务目标对于确保您在同一页面上的财务目标至关重要。她解释说：“无论是为房屋节省，投资未来还是还清债务，保持目标都可以帮助防止冲突并共同建立稳定的未来。”由于克莱尔（Clare）指出，随着人生以后的婚姻与前几代人相比，这给金钱对话带来了不同的动态。她解释说：“这很令人兴奋，可能是一个崭新的开始，但通常也是您拥有最多资产的阶段，并且可能有以前的关系中的孩子。 “接受法律和财务建议以避免财务陷阱至关重要。” 2。您的信用评分是多少？虽然这绝不是一个第一的问题，但了解您的伴侣的信用评分至关重要。克莱尔（Clare）解释说：“许多人不知道结婚可能涉及承担伴侣可能承担的法律责任。”虽然您对仅以伴侣的名义的债务不承担责任，但您可能会对以联合名称的全部债务负责。克莱尔说：“例如，如果您有共同的帐户，婚姻中的两个伙伴都同等责任债务，无论谁招致他们。” “这包括联合贷款，抵押和银行帐户。”因此，讨论您的债务方法很重要。克莱尔说：“包括任何现有的贷款或信用卡余额至关重要。” “一个合伙人的债务可能会影响联合财务决策，甚至会影响您的信用评分，如果您拥有联合信贷。” 3。您的支出习惯是什么？克莱尔解释说：“鉴于金钱是引起争论的普遍原因，因此必须了解彼此的支出习惯。”无论您的伴侣是储蓄者还是造物主，以及他们在淘汰时的优先级，都可以帮助您设定相互预算，并避免出现可能导致争论的惊喜。 4.我们应该如何管理我们的财务状况？尽管有些夫妇通常有一个人承担大部分财务决策，但克莱尔建议分担负担。她解释说：“决定是将财务分开，合并还是两者的混合是一场重要的对话。它影响关系中的透明度，信任和财务管理。设定明确的界限和系统可以帮助避免误解。”如果您有一个联合帐户，克莱尔建议您从一开始就应该清楚其目的。例如，您应该就如何分配家庭账单达成共识。如果你们中的一个比另一个人的收入更多，这一点尤其重要。她解释说：“有些人会自动认为这将是50:50，无论薪酬差距有多大，因此在账单上升起之前都值得澄清。” 5。您对Prenups有何看法？她解释说：“婚前协议可能是一个微妙的话题，尽管并非总是根据您的居住地在法律上具有约束力，但法院通常会考虑它们。” “因此，如果您想保护结婚前积累的资产，那么如果您拥有企业，则可能是考虑的。”克莱尔（Clare）补充说，要注意离婚的财务影响也很重要。 6。我们可以继续说话吗？曾经谈论金钱在人际关系中还不够。克莱尔（Clare）解释说，保持对话的进行至关重要。她说：“你们俩都会在婚姻中成长。您的情况可能会发生变化，或者您可能会觉得自己想要与财务和生活的不同事物。”因此，克莱尔说，确保您从一开始就同意金钱和财务将永远是不断发展的对话。她说：“继续谈论金钱，并在成为大问题之前尽早解决任何问题。” Easy Online离婚的创始人詹姆斯·布里恩（James Brien），也是正念离婚的作者，他说，尽管这个话题可能对许多人感到不舒服，但讨论财务对于健康的关系至关重要。金钱上的分歧是离婚和关系破裂的主要贡献者。他解释说：“金钱和财务在人际关系中造成的问题比其他任何事情都要多。可以从小小的分歧开始，最终会导致持续的怨恨和保密。随着时间的流逝，问题变得越来越大，直到最终恋爱关系完全分解。”但是，您应该如何提出主题？根据詹姆斯的说法，重要的是
