Sometimes, talking about money is viewed as a necessary evil, but it is just that: necessary. Ideally, the subject of money should be initially broached very early on in the relationship – hopefully before you even cement your relationship by having sex!

It’s imperative to talk about your opinions, views, habits, etc. and although my time frame may seem extreme, who wants to go down the road to sexual intimacy only to have it torn apart by a struggle in the realm of financial compatibility? 

This is where what I call “Smart Heart Dialogue” (or, the money language of love) comes in. It’s designed to help you share your financial history with someone you’re becoming intimate with.

When Money Conversations Begin

The conversation starters are usually in reference to a transition in a relationship, as that can often be where the rubber hits the road, financially, for many couples. Integrating your differences and views about money during a shift in a relationship can be difficult but is so important to the ongoing health of that relationship!

Understand that a person’s money habits can be ingrained in them from a very young age, and therefore are usually held to pretty tightly, even if that person doesn’t realize it!

As you transition through a relationship there are a few scenarios that lend themselves to talking about money. Here are a few:

Moving In Together

“If we move in together, do we split all the bills?”

*A mid life change like moving in together can be an ideal time to talk about expectations for how to deal jointly with finances outside of a marriage. It’s not usually best to combine everything right off the bat, and a good way to deal with this question can be to suggest having a “fund” that you both do contribute to equally.

It can be used for your fun activities. Then, you can make decisions together about that fund. This helps smooth the transition to possibly having more of your money in joint accounts one day.

Overspending And Loans

“I overspent while we were on vacation, can you lend me some money?”

*The person asking for a loan may not take money and budgeting as seriously as you do. Or maybe you overspent too. Whatever the case, you need to evaluate how you deal with money, leisure activities and “spur of the moment” purchases together. 

And if you’re the person being asked for a loan, approach the subject carefully as you don’t want to seem judgmental toward the person who probably isn’t too thrilled about having to ask in the first place.

Money In A Committed  Relationship

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