It’s never a bad time to start talking about money with your significant other, whether you’re getting married, moving in together, or just getting serious about money.

But how do you bring up the subject of money with your partner?

This may be frightening or awkward for some, but don’t be concerned. We’ve put together a guide with some sentences you may use word for word, as well as all the recommendations and information you’ll need.

Important financial topics to discuss

Here are a few things to think about and discuss before you start your big money talk:

How much money do you and your partner make?

Your salary should be the beginning point of any conversation regarding money. You can select how to spend that money together if you know each other’s income. You could also discuss strategies to supplement your income, such as obtaining a new career or beginning a side business.

How much money do you owe?

Another crucial question to have is how much debt you each have — especially if you’re getting married and want to merge your finances.You don’t want either of you to be surprised in any way. You need to know right now whether someone has a mountain of credit card debt.

What are your financial long- and short-term objectives?

Talking about your financial objectives is a fantastic approach to start the conversation. You must not only be able to manage day-to-day expenses, but you must also be able to plan for the future.

It’s only after you’ve laid the groundwork and talked openly about money that you can set some joint financial goals.

The following are examples of financial objectives:

• Putting money aside for a down payment on a house
• Wedding funds are being set aside.
• Investing in the stock market is a great way to make money.
• Making improvements to your home
• Putting money aside for a new car
• Making plans for a vacation
• Putting money aside for an emergency reserve

Whatever it is, it all begins with an open dialogue and a well-thought-out strategy.

When it comes to money, there are a few things you should avoid doing.

They include;

• Don’t make it feel like you’re being ambushed.
• Don’t try to persuade your partner to change.
• Avoid shaming or blaming your partner.