20/12/2025
๐๐ ๐๐ก๐ข๐ง๐ ๐ฌ ๐๐ฏ๐๐ซ๐ฒ ๐๐จ๐ฎ๐ฉ๐ฅ๐ ๐๐ก๐จ๐ฎ๐ฅ๐ ๐๐ข๐ฌ๐๐ฎ๐ฌ๐ฌ ๐๐๐๐จ๐ซ๐ ๐๐๐ซ๐ซ๐ข๐๐ ๐
1. ๐๐ง๐๐จ๐ฆ๐ & ๐๐๐ซ๐๐๐ซ ๐ฉ๐ฅ๐๐ง๐ฌ
Share your current income and future career goals with your partner. If you plan to change careers, become a stay-at-home parent, or pursue further studies, your partner needs to know earlier. These are usually very life-changing decisions that, if not discussed with maturity, may shake even serious relationships.
2. ๐๐๐๐ญ๐ฌ ๐๐ง๐ ๐๐ข๐๐๐ข๐ฅ๐ข๐ญ๐ข๐๐ฌ
Be transparent about all your debts. Make sure to ask your partner about any loans they are repaying. Yes, discuss student loans, credit cards, personal loans, car loans, or any other financial obligations you have.
3. ๐๐ฉ๐๐ง๐๐ข๐ง๐ ๐๐๐๐ข๐ญ๐ฌ
Who will buy what in your home? Who will pay rent? Who will buy food? What are considered big purchases, and what are not?
Other than this, I like to think that it is important to observe your partner's spending habits. Do they like to save, or are they a "You only live once" person? Make sure that your spending habits align, or you will be in constant disagreement.
4. ๐๐ฆ๐๐ซ๐ ๐๐ง๐๐ฒ ๐
๐ฎ๐ง๐๐ฌ
You need to discuss what will happen if the breadwinner, or one of you, loses their job. You also need to discuss setting up an emergency fund, just in case such eventualities arise. Remember to discuss what constitutes an emergency and what does not. Think of funerals, chronic illnesses, etc.
5. ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ ๐จ๐๐ฅ๐ฌ
What are your short-term goals? And what are your long-term goals? Do you plan to buy a house? Build a retirement home? Start a business? Travel the world? Have children? It is essential to understand where your partner sees themselves in 30 years. Is it something you would live with? Do they align with your goals? Or are you ready to compromise? Yes, goals do change every day as we evolve, and it is essential to share them as the relationship grows.
6. ๐๐ข๐๐ฌ
This could be one of the goals...but it is so important I believe it deserves its own spot. First, do both of you want kids? This is not something you can compromise on. Now, kids are expensive. Talk openly about the financial responsibilities that come with raising children, including healthcare, childcare, education, daily expenses, and long-term planning. Discuss how many children you hope to have, when youโd like to start, and how having kids will affect work, income, and lifestyle choices. Being aligned financially and emotionally on this topic can prevent major conflicts later.
7. ๐๐๐ง๐ค ๐๐๐๐จ๐ฎ๐ง๐ญ๐ฌ
Will you combine finances, keep them separate, or use a hybrid approach? I recommend a shared account for household expenses, with each partner keeping an individual account for personal spending. This approach promotes unity and transparency, while still allowing each person to maintain financial independence and freedom.
8. ๐๐ฅ๐๐๐ค ๐ญ๐๐ฑ, ๐๐ง๐ ๐ซ๐๐ฅ๐๐ญ๐ข๐ฏ๐๐ฌ ๐๐จ๐ฆ๐ข๐ง๐ ๐จ๐ฏ๐๐ซ
Yes, your relatives coming to live in your matrimonial home carries financial implications. Are relatives welcome to your house? How long are they welcome, and under what circumstances is it acceptable? Matters black tax, ask your partner whether they support their parents or relatives financially. If your parent pays school fees for his sister, for example, how does that make you feel, and how could it possibly affect your marriage?
9. ๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐
Talk about the types of insurance each of you has and what you may need as a couple. Is it health, life, disability, and even property insurance? Decide who will be covered, how premiums will be paid, and who the beneficiaries are. Proper insurance protects both your marriage and your future from unexpected financial crises.
10. ๐๐ซ๐๐ง๐ฎ๐ฉ๐ญ๐ข๐๐ฅ ๐๐ ๐ซ๐๐๐ฆ๐๐ง๐ญ๐ฌ
Ughhh...I know. Very unromantic to talk about before marriage...because I mean, who is getting married just to get divorced? It may seem uncomfortable to talk about, but it is absolutely necessary. How will you protect personal assets, inheritance, or family businesses in case things go south? Being upfront avoids future battles.
