5 Financial Questions You Can’t Afford Not to Ask Your Partner
5 Financial Questions You Can’t Afford Not to Ask Your Partner
I f you’re single and ready to mingle, you know that dating in the 2020’s is very different from dating in the 90’s & early 2000’s.
While the dating scene has changed, some things haven’t changed.
If I were in a new relationship, there are 5 specific money questions I would ask my partner if I had intentions of pursuing a long-term relationship. I would definitely want to discuss money before marriage, and the information in this blog can help guide that chat for you, too.
If you’ve been in a long-term relationship or marriage, you know how difficult it can be to manage money with a partner.
After being married for 13 years, as a single mother and primary breadwinner, today, having a stable financial life is pretty important to me, as I would like to retire comfortably.
It’s also important to working women, I speak with over 30.
Obviously, there’s no shortage of questions to ask a partner about money. However, there are a few financial questions that help provide foundational information that can ensure a stronger relationship.
If you’re already in a relationship and you’re afraid to discuss specific topics because money conversations are uncomfortable,e then maybe understanding the benefits will push you to do the hard thing.
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What’s The Benefit of Asking Your Partner Financial Questions?
How many of your past breakups should have happened long before they actually did?
Most of us are guilty of staying in a relationship too long.
It may have been because you’re trying to figure out how to make the relationship work or because uncovering important information took too long.
Now, think about the role money has played in your past relationships.
What about the money fights in the relationships of your parents, family, or friends?
I don’t know about you, but a few ugly situations come to mind.
Understanding your partner’s money story is important if you want to avoid nasty conflicts about money in your relationship.
The benefit of having hard money conversations is that it can help you recognize emotional triggers.
How helpful would knowing what topics make you and your partner anxious or defensive?
Understanding your partner’s money story is beneficial when you have conflicting opinions and are seeking a happy compromise.
Everyone has a money story.
It accounts for the experiences, emotions, upbringing, and motives that shape how you think, feel, and handle money.
You might discover something surprising about your partner.
Perhaps there’s a deep-seated fear of debt or an ambition to achieve financial freedom early because of a childhood experience.

Your money story has a direct impact on:
- Life Values: What’s important to you? For example, tithing, family time, new experiences, or education.
- Financial philosophy: Your approach to making financial decisions. For example, your risk tolerance, your investment strategy, and your approach to debt vs savings.
- Financial Habits: The way you manage key areas of your financial life—for example, the way you choose to budget or spend money routinely.
There is an old TV Show called I Love Lucy.
In the show, Lucy & Ricky Ricardo are a married couple who cannot be more different. One spouse, Ricky, was always trying to stay on top of things, ultimately trusting Lucy, the wife, to handle the bills.
Lucy was often behind on important bills like rent and utilities, and tried to hide it from her husband. Naturally, they got into a lot of fights about it.
While the show didn’t spend a lot of time discussing their money stories, I’m sure we would have learned how different their stories were if they had.
I’m also pretty sure that if they had spent some time asking each other the five critical money questions before marriage, both would have had a better understanding of each other and less fights about money.
You might already know you’re romantically compatible, but are unsure if you’re financially compatible.
If that’s the case, there are good finance questions for couples to ask each other—things deeper than credit scores, income, and budgeting.
I’m sure you don’t want money to hinder your romantic relationship; you both just have to feel safe discussing the topics.
How to Prepare to Ask Your Partner Financial Questions?
I loved it when we had debates in class in high school.
The key to winning a debate was understanding the points your opposition would make and being prepared to rebut them.
Hopefully, your relationship isn’t as adversarial as a high school debate, but something can be learned from it.
If you’re uncomfortable talking about money, some extra preparation will help you determine what financial questions to ask your partner.

One of the first things you should do is use the questions below to prepare.
To have a productive conversation that feels safe, you can try the following steps:
Step 1. Ask yourself the questions first to understand your position on these topics. It’s only fair that your partner expects you to provide the same information you’re asking for.
Step 2. As you think about or write down your own responses, ask yourself “Why” to dig deeper into your response. If needed, ask yourself “why” up to 4 more times to get to the root of your feelings on a particular topic.
After Step #1 , you might be ready for a conversation with your partner.
The hard part of money conversations with a partner is balancing emotion with logic.
The goal is not to prove who’s right or wrong. The goal is to listen and remain open. While you’ll want to incorporate Step #2, first, you want to make your partner feel safe.
Step 3: Ask for their buy-in to discuss the topic(s). If not now, when? If they’re unsure gain permission to check back in.

Tip: Practice Active Listening – Show that you value your partner’s perspective by listening without interrupting.
Tip: Empathize and Validate – Acknowledge your partner’s feelings and let them know you understand.
As the conversation continues, if things get too tense, take break and finish at a later date (days though, not years).
Skipping these steps or ignoring these tips could lead to misunderstandings or, worse, more conflicts.
What are the critical financial questions to ask your partner?
Reviewing the list below, you can see that technically it’s more than 5 questions. That’s because I’ve provided follow-up or clarifying questions depending on the direction of the conversation, just in case you need them.
- What’s a financial habit of your partner (or a past partner) that either impressed or concerned you? What are some “red flags” you’ve noticed early on related to someone’s financial behavior? How would you feel if your partner had significant debt they hadn’t disclosed early on?
- What’s the biggest money lesson you’ve learned in a relationship? How should couples decide on big financial decisions like buying a house or making significant investments? What are some of your hard line, “I ain’t playing with you” financial boundaries? What’s your personal “pack your bags” financial boundary in a relationship?
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What lessons did your parents teach you about money?
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How did your upbringing shape your views on money and relationships?
- How would you approach the topic of prenuptial agreements with your partner? What does “financial security” mean to you in a partnership? How do you feel about taking risks?
Take FIIRM Hero Action
Now that you know what financial questions to ask before marriage or maybe even before moving in together, you can take FIIRM Hero action.
If you’re seeing pink or red flags in your relationship these conversations can help you figure out the source.
It can also help you figure out how your partner’s answers will impact your future together.
Your goals might include buying a home, traveling the world, or starting a family.
The right questions and financial conversations are essential to setting goals and checking if your priorities match.
Of course, achieving goals is a team effort and it’s possible with some grace and understanding.
You May Also Be Interested In:
- Screw Love, Are You Financially Compatible
- Tips to Keep Money Fights Out of Your Marriage
- How to Make Money Conversations Less Awkward
Disclaimer: The information provided is for general informational purposes only and does not constitute professional legal or financial advice for your personal situation.

Nikki Tucker
Founder & Managing Director
Nikki is an experienced financial services professional, a Certified Divorce Financial Analyst ®, and the primary divorce financial strategist for The FIIRM Approach. She helps female breadwinners prepare for divorce to avoid common financial mistakes and confidently maintain their financial security post-divorce. She uses proven strategies within the FIIRM Approach methodology so her clients can manage their money, debt, and credit and be connected to the right resources for the next phase of life. TAKE ACTION & LEARN about the tools that can help make your pre and post-divorce easier. Grab your FREE Divorce Support Pack.











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