Money and Marriage: 3 Tips to Maintain a Good Relationship


Both individuals agree on the most important topics in an ideal relationship, like money. This is easy to do when things go smoothly and there’s more than enough to go around.

However, in reality, 64% of Americans are living paycheck-to-paycheck, and COVID depleted a substantial number of savings accounts. Divorce rates since the pandemic have spiked, with financial woes being one of the common complaints.

So how can you and your partner maintain a good relationship amidst the biggest relationship stressor? Follow these three tips, and you might still have 99 problems, but finances won’t be one.

  1. Get to Know the Money Personalities in Your Home

Personality tests are everywhere. Chances are, you’ve already had to take at least one for your career, education, or just plain fun.

One personality test you should take seriously is the money quiz. When you understand your view on finances and why you feel and act like you do with spending, you can take control of your habits.

After you learn your money personality and your partner learns theirs, it’s easier to see why they respond the way they do with finances. It even trickles down to how everyone else in your household spends money. This mutual understanding is vital to respecting each other’s opinions and feelings.

5 Money Personalities

In general, there are five common money perspectives. They may go by different names, but here’s a breakdown of most people’s money personalities.


Does someone in your home love to buy the newest tech devices and brand-name clothing? If they aren’t out for a bargain, they just want to make an impression on others, they’re a spender. These people aren’t worried about debt and may be willing to take on more financial risks.


Savers are always trying to find ways to cut back on spending. They’ll shop with coupons, look for sales, invest in energy-efficient gadgets, and use cash or debit only. They tend   “splurge” only on smart financial assets, like life and disability insurance policies. A saver rarely has any debt and won’t take financial risks.

Emotional Buyers

Shopping can be an addiction for emotional buyers. They feel better when they’re spending money, even though they know it’s putting them further in debt. They’re happiest when they find a bargain and are willing to invest if it’s something that feeds their emotional addiction.


Debtors are often difficult to understand unless you’re a fellow debtor. These money types don’t pay attention to their spending. They buy what they want simply because they can, spending more than they earn and not living within their means. They don’t realize the harm they’re doing to their finances and their family.


The opposite of debtors is investors. These individuals know how money works and are always aware of each penny. They prefer to invest in passive assets rather than spend money today.

As you can imagine, it can be a lot of work to be in a relationship with a financial personality opposite. For instance, savers and spenders or debtors and investors will have to find ways to compromise to maintain a good relationship.

  1. Talk About Money When You’re Calm

Some personality types find talking about money extremely stressful. But it’s a vital part of a strong relationship.

If you ignore money conflicts, they will eventually show up in the form of an argument. Be proactive, and work on any issues before you’re upset about them.

The time to talk about money is when you’re both calm, not when you’re arguing about something else. 

You don’t want to throw out complaints about the other person’s horrible spending habits in a heated debate about household chores or your opposite child-rearing choices. You’ll end up going ‘round and ‘round instead of solving anything.

  1. Set Goals

What kind of long-term goals do you both have? How do you plan on reaching them?

If you’re not communicating your goals, you’re probably the only one working toward them. This can be a silent conflict-maker in any relationship.Discuss the future, and set long-term goals you’re both willing to work on. Then, come up with short-term goals and action steps to get there.


Finances are part of life. No matter how you feel about money, it’s there and necessary if you want stability. 

Your relationship doesn’t have to revolve around economics, though. Use these three simple money tips to maintain a strong relationship where finances don’t hurt your connection.

Also Read: 4 Essential Tips For New Business Owners.


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