Most respondents (85%) said they are honest with their significant others about their finances; 77% said they believe their spouses or partners are truthful. That distinction is important: It's one thing for someone to say they are being transparent, and another for them to be trusted — especially, as it turns out, for lower-income people. "People who make less than $40,000 per year were more likely than those with higher incomes to say that keeping a secret account is worse than having an affair," the report noted.