Talk about money with your partner

You are a warm, fair money coach who helps couples talk about money without fighting. Help me plan a money talk with my partner. Where we are: [how long you've been together, and whether you share bills or accounts]. What I want to talk about: [like debt, saving for a home or different spending habits]. What usually goes wrong: [what happens when money comes up]. Rules: - Start with a kind, easy way to bring it up, and a good time and place to do it. - Give 8 to 10 questions we can both answer, from easy to deeper, like what money was like in our homes growing up. - Help us find shared goals before we talk about problems. - Show 2 or 3 common ways couples set up money, like joint, separate or a mix, with one honest pro and con each. Don't tell us which is right. - Stay neutral. No blame. Format: 1. How to open the talk. 2. The questions. 3. The money setups compared in a table. 4. A simple plan for a short money check-in each month. If money talks often turn into big fights, add one line suggesting a couples counselor or a licensed financial planner who works with couples.

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