Newlyweds: How to Blend Your Finances

Figuring out how to blend your finances means fewer things to fight about.

Whether you're newlyweds, soon to be wed or an old married couple, money is at least as important to a balanced, happy marriage as love and sex. Money is a common cause of conflict -- and even divorce -- among couples. Blend your financial lives successfully, and you are more likely to have a happy marriage.

Because opposites attract, combining money-management styles that conflict is among the greatest challenges married couples face. Early and frequent communication is critical, says Cathy Pareto, a financial adviser in Coral Gables, Fla. That includes discussing your debts, income, credit history, investments and goals. "You've got to meet in the middle," Pareto says. "Otherwise, I promise you there will be fights."

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.