Discussing finances with your partner doesn't have to be full of drama
Talking about money with your partner can feel awkward, emotional, or stressful, especially if you grew up with different money habits. But, avoiding money conversations can quietly erode trust and increase anxiety. That is why I recommend a simple, judgement-free money conversation: the money meeting. When done consistently, money meetings help couples:
- Feel more connected and supported
- Stay on the same financial page
- Catch small issues before they become big ones
Why money meetings matter
Money isn't just math, it's emotional, personal, and tied to identity, safety, and self-worth. Regular money meetings help you:
- Reduce financial surprises that cause tension
- Create space for honest conversation
- Align your money habits with your shared values and goals
Think of them as maintenance for both your relationship and budget.
Step one: schedule it like a real date
Pick a time that works consistently for both of you, whether weekly or bi-weekly. It doesn't have to take much time. 15-30 minutes is great! Keep it light and low-pressure.
Tip: Have snacks or do it somewhere comfortable, to create a calm vibe.
Step two: use a simple agenda
Here is a format I recommend to clients:
- Check in emotionally to create a safe zone
- Review the past week. Don't forget to celebrate small wins!
- Plan the week ahead
- Talk about goals- Have they changed?
Step three: keep the vibe supportive, not stressful
Here are a few helpful ground rule:
- Stay curious, not critical (i.e., "Why did we go over in groceries?")
- Avoid blame or shame
- Focus on the plan, not the past- Remember that you are building a better future together!