Select Page

A few months ago, I was grateful to attend a lit wedding ceremony where I watched a childhood friend of mine marry the man of her dreams.  It was simply beautiful y’all!  Almost had a young G shed a tear up in there LOL. While I was soaking up all of the love in the air and partaking in all of the festivities, I was thinking about all of the things that come along with marriage.  I thought about all of the sacrifices that have to transpire in order for two people to come together as one.

Now, I’m not married by any means so I don’t know all of the ins and outs. However, of course all of this got me thinking about finances within marriages.  Before you actually say “I do” and jump the broom, it’s really, really, really important that you have “that talk” with bae.  Y’all gotta sit down, come together and get down to the nitty gritty about everything concerning finances. From your upbringing, to your spending habits, to your views about paying for your children’s education, you gotta talk about all of that! And this is not where you wanna be all modest and shy, because if you can’t have a real, honest conversation with your future spouse about how you don’t know how to save, then y’all don’t need to be getting married! Point, blank, period!

Financial problems can ruin a marriage if they are left untreated.  If you want your marriage to work, then you’re gonna have to put in work!  It’s important that you both handle the finances together.  That’s what a marriage is all about, working as a team.  Working towards getting that “W” (win, duhh!). Y’all can’t be playing for two different teams or it’s not gonna work. Money is one of the leading causes of arguments within marriages.  Who wants their marriage to fail?  No one.  It’s better to be prepared from the jump and know what you’re getting yourself into.  You can start preparing for a bright financial future with your spouse-to-be long before saying “I do” by asking and answering these tough, yet very important questions.

  1. How was money handled in your household as a child?

  2. What did your parents teach you about money?

  3. How does spending money make you feel?

  4. Are you a spender or a saver?

  5. Do you budget?

  6. What are some of your financial goals?

  7. What are some of the issues you’ve had financially?

  8. What are some of your biggest frustrations and challenges when it comes to your finances?

  9. Do you invest?  Aggressively or conservatively?

  10. Are you contributing to a 401(k) or another retirement plan?

  11. What’s the most expensive thing that you’ve ever purchased?

  12. How do you feel about giving to charity?

  13. How are we going to handle our bills?

  14. Do you believe in having separate or joint accounts?

Of course, there are so many more questions that could be asked about monetary values, these are just to get you started with creating an open and honest dialogue.  Once the conversation is flowing, you’ll most likely think of more questions to ask and discuss.  I’m glad I’m thinking about this long before wedding bells ring for me; I’ll be that much more prepared to keep it 100 with bae about how Sallie is taking all of my coins!

Now let’s talk about it. Have you had a detailed conversation with bae about your financial history and values? Did you have a hard time getting through it?  What are some other questions that aren’t listed that you would like to ask your current or future spouse?  Sound off in the comments, I wanna hear from you!

P.S. If you thought that this was insanely awesome or made you think about someone that you know, please share this with them!