婚姻与金钱

The decision to get married can be one of the most exciting and important decisions you'll make during your lifetime. 然而, 人际关系中的金钱 is a tough subject for many people considering marriage. Arguments about money hamper many marriages and financial problems or disagreements are a leading cause of divorce.

It's important for partners to have frank discussions about finances, 预算 and their individual financial personality or feelings toward money. 这些对话一开始可能会让人不舒服, but avoiding them could prove much more costly down the road. Below are a few things to consider in your premarital discussions.

你的，我的和我们的

看一下 前后对比图 of your finances may help bring some clarity and confidence to the conversation.

• 创建并讨论一个 预算 这包括每月和 non-monthly费用.
• Clarify what each person is bringing into the marriage, whether good or bad (salaries, savings, 债务和支出 习惯).
• 谈谈双方是如何在金钱环境下长大的. 对许多婚姻来说，这是直接相关的 在消费习惯和金钱观念之间.

问题:

• 你会保留一个吗? 预算，如果是，它会是什么样子?
• Will you merge all your accounts, keep individual accounts or create a mix?
• 你将如何命名账目?
• 你的短期和长期目标是什么 财务目标?
• 将一个 财务顾问 或者专业帮助?
• 你们每个人都有吗 退休计划?

了解你的理财个性

Spenders and savers can peacefully coexist if you keep the lines of communication open. 理解 花钱的心理 and why a person spends can help build good financial habits after you are married. Strive to understand what your partner splurges on impulsively, 他们对储蓄和投资的态度, what financial fears they may be trying to hide. Once you have a good understanding of each other's money values and habits you can better establish common 财务目标.

互相问的问题:

• 收入越高的人花得越多吗?
• Do you spend out of the joint account as long as t在这里 are sufficient funds?
• 你们必须互相负责费用吗?
• Do personal expenses come out of a monthly allotment each one gets for these types of expenses?
• Is t在这里 a specific dollar amount that requires a discussion with your significant other prior to a large purchase?

谈论债务

债务是大多数人都有的东西, 没有人喜欢, but it's an unfortunate reality that needs to be dealt with. 了解彼此的债务故事， 信用评分 and credit history are important factors to consider before making future purchases together.

更多关于金钱和婚姻的问题

• 你想要得到吗 婚前咨询?
• Do you want a prenuptial agreement to contractually define what each partner's property rights are upon marriage dissolution, 以及他们将如何分配债务? 如果是，请咨询合格的专业人士.
• What happens with any assets held that were the result of an inheritance?
• Who pays the bills, in what proportion are they paid and how?
• 你想什么时候退休，做什么 退休 对你刻薄?
• 你想要什么? 遗产规划 看起来像?
• What is your risk tolerance and how will that affect your investment choices?
• 你有吗? 足够的pp王者电子官网 to provide a financial safety net should something happen to one of you?
• Whose health care and other work benefits better serve both of you?
• Do either of you expect to help support your parents financially as they age?
• 你有吗? similar aspirations for the kind of 退休 you want?

有一个 财务计划 is always a good step for anyone looking to get married. A 预算的计算器 能帮你了解你的钱都去哪儿了吗. And be sure to consider how you'll protect your income and property in your discussions. 一定要检查你的 pp王者电子官网责任范围 并在需要的地方做出改变. 你的 状态 Farm®代理 能回答你有关的问题吗 人寿pp王者电子官网, 伤残收入pp王者电子官网, 房产pp王者电子官网 or 租房者pp王者电子官网.