If you are newly married or are about to get married, talking about money may not seem very romantic. However, conflict about money is one of the biggest stressors in marriage, so getting on the same page at the beginning is a great foundation to set. Here are more than 20 financial questions for newlyweds to discuss. However, even if you’re not newly married, these questions may still be helpful! At the end of the post, I’ve got all the questions compiled into one page for easy reference if you want to print them out.

20+ Financial Questions for Newlyweds to Discuss

I’ve divided the questions up into three sections: the past, the present, and the future. It’s not just important to know what each other’s background is with money, but it’s also important to talk about your current approach and to think long term about the future.

The Past

How did your family approach money when you were growing up? Do you see any ways it has affected you as an adult?

Sometimes when someone grows up in a very low-income home, they continue being extremely frugal. But some people swing the other way and have a hard time not spending money. The same can happen from someone who came from a home with a lot of money. Neither is good or bad; it’s just important to know where you’re coming from!

Do you consider yourself a spender or a saver? If you are both one or the other, talk about how you might have to set some parameters. If you are opposites, discuss how you will handle potential conflict.

Two spenders will have to set boundaries with each other; two savers may need to make sure they encourage each other to spend a little in order to have fun. A “mixed” marriage of a spender and a saver will probably be one of the most challenging, as you are tempted to be at odds. This is why conversation is important!

What kind of debt do you have, if any?

This could be a mortgage, a car loan, a loan to family or friends, or another kind of loan.

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