 TITLE: When Should I Combine Finances With My Partner? CONTENT: Set Aside Time for a Candid Money Conversation\n----------------------------------------------\nThe best way to build a full understanding of each other's readiness to combine finances is to have a frank conversation about your financial views and habits.\nWhen you think you're ready to make the leap to merged finances, plan to discuss these topics at a specific time when you won't feel rushed and you can bring your full attention and compassion to the conversation. Money can be a difficult topic for many, so take it slow and allow for multiple check-ins if necessary.\nHere are some important points for each partner to cover:\n*   What messages did you get from your parents about money as a kid? How have these affected your approach to money today?\n*   Do you save money regularly, or do you typically have no money left over at the end of each month?\n*   What is your annual income?\n*   What is your outstanding debt?\n*   What are your recurring expenses?\n*   Are you investing money for the future?\n*   What are your top financial goals?\n*   What is your current credit score?\nSome of these questions might seem awkward, but it's critical for both you and your partner to be open and forthcoming before you decide to pool your finances. If you're afraid you'll offend your partner by asking specific money-related questions, your relationship may not be ready for the next step financially. You should also discuss at what level you would like to combine finances now—whether you merely want to split shared expenses, or whether it's time to save in a joint account for shared goals. END