5 Financial Questions You Can’t Afford Not to Ask Your Partner

5 Financial Questions You Can’t Afford Not to Ask Your Partner

financial questions 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.

 

 4-5 min read: Looking for the audio summary of this blog post – sign up for the FIIRM Hero Newsletter Community to HEAR what this post is all about when you don’t have time to read it.

 

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.

financial questions for couples

 

Your money story has a direct impact on:

  1. Life Values: What’s important to you? For example, tithing, family time, new experiences, or education.
  2. Financial philosophy: Your approach to making financial decisions. For example, your risk tolerance, your investment strategy, and your approach to debt vs savings.
  3. 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.

 Wealthy Couples

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 &#2, 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.

financial questions to ask your parter

 

 

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.

  1. 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?
  2. 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?
  3. What lessons did your parents teach you about money?

  4. How did your upbringing shape your views on money and relationships?

  5. 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:

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

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.

Real Warning Signs Your Relationship is in Trouble

Real Warning Signs Your Relationship is in Trouble

Real warning sign your marriage is in trouble

Real Warning Signs Your Relationship is in Trouble

Published February 20, 2025

Disclosure: This blog post may contain affiliate links, meaning we may be sent a monetary reward if you purchase an item after clicking on the links. The reward does not impact what we choose to recommend. 

 

Perfect relationships don’t exist. For those who have figured out how to navigate to the marriage mountaintop, we know the harder part is staying there. 

 

Real Warning Signs Your Relationship is in Trouble

Have you ever looked at a friend’s marriage and wondered “why they got married?”

Speculated how many years it would last?

Sometimes it feels like we know more about celebrity marriages than those closest to us. 

Especially since we have access to stories about their demise, and often, based on the headlines, we can see the signs a relationship is in trouble.

However, we rarely know the tipping point or the red flags that pushed these marriages to the literal finish line.

 

This blog post can help you recognize the warning signs that your relationship might be in trouble.

 

Warning Signs Your Relationship Might Be in Trouble

 

Do you have relationship problems that can be solved?

 

Is your situation so dysfunctional that you’re starting to think it’s best to part ways?

 

Either way, pay attention to the warning signs.

 

Can the relationship be saved?

 

When researching this blog post, I knew real-life experiences/stories from everyday divorcees would serve you better. Some people were married for a long time, and others had shorter relationships.

 

Their identities are not disclosed to protect their privacy; the details, however, are verbatim accounts. Similar to real life, there are several different reasons that people’s relationships end.

 

Trigger Warning: Some personal stories are raw, and while not intended to upset you or cause you to relive personal trauma, they may be triggering depending on your situation. Please proceed cautiously and stop reading if the post stirs up too many negative emotions.

 

These personal stories are provided so that you know you are not alone if you are in an unhealthy relationship or marriage. The FIIRM Approach primarily supports female breadwinners, but this post includes personal experiences from men and women.

 

You might relate to an underlying issue in your marriage.

 

You may even realize that you need to check your own behavior.

 

Some relationships can be saved, and some can’t. Maybe you already know the answer about yours. 

 

If your goal is to try to save your relationship, I highly recommend checking out the book Secure Love: Create a Relationship That Lasts a Lifetime.

 

Red paper heart ripped in half on dark background. Broken heart separation concept

 

2 Real-life experiences – Signs a Relationship is in Trouble:

 

“My divorce was somewhat unexpected. He just told me he wanted a divorce and soon after moved out. At the time, things weren’t great, but I didn’t see a divorce. But deep down, I didn’t see a future with us being together”

 


 

“Let me start by saying I should have known better than to marry him. He was very possessive, which I mistaken for love. I knew it was over when he became very indifferent to me. Exactly 7 years! I knew he was cheating… I called him on it and he admitted it. We got back together, built a new house, and he cheated again, ugh…the tipping was him using MY credit card to take her to a concert and dinner. Bottom line, he did me a big favor; had I not known bad, I wouldn’t know good.”


 

 

Download our Divorce Support Pack  to get started on finding the right resources to help you.

 

 

Are changes in behaviors a sign that your relationship is in trouble?

 

Of course, depending on the changes in behavior, it can be a sign that your relationship or marriage is in trouble. The range is extensive, but a few examples of unhealthy behaviors include:

  • emotional distance,
  • sneaky behavior,
  • infidelity,
  • problems with vices (e.g., gambling or addiction),
  • constant dishonesty,
  • physical, emotional abuse, etc.

 

A good romantic relationship or marriage includes honest communication, emotional support, a deep level of intimacy, and trust.

 

When your partnership lacks these things and starts to feel like a scene from “What’s Love Got to do With It”, it’s a sign of a deeper issue. Tackle it head-on, if your goal is to preserve the relationship.

 

4 Real-life experiences – When Behavior Changes Signal Relationship Trouble:

“ A younger girl that we both worked with started calling our house regularly to speak to my husband. I knew the marriage was in trouble, but I knew it was over when he moved into the young lady’s college dorm room in another state, and tried to lie about it. I couldn’t reach him, but eventually, I got her dorm phone number and left a message for him to call me. No surprise, he got the message and called me back” 😐


 

“ I knew that it was going to end in divorce when he started out to shoot pool at night, and he would come home at two or three in the morning. Then he would go to the grocery store to get some cereal and come back home 3 hours later with some grapes! 😈 We married about a week before our son was born, and we divorced when he was about 4 years old.”

 


 

“I had been avoiding the inevitable for years. The tipping point was him telling me he was attending the side chick’s son’s funeral when he supposedly hated funerals, and he hadn’t gone to one in the 18 years we were together.” 😐


 

“My husband was stationed in another state and moved in with [a woman] and her boyfriend at the time because he was friends with the boyfriend. The boyfriend moved out, and my husband stayed. When he told me about it, I told him to move out, and he said he was going to stay and help her because she had a child. The child was not the ex-boyfriend, and that is when I said to myself that we were done. A few months later, he called and said he moved out so we could get a place together, but I was already done with him. I knew he cheated with her, and I didn’t want him.” (He later married the woman)


Sad Couple Parting Ways

 

How does a lack of communication impact marriage?

 

Those married for a long time or in a long-term relationship, have heard this saying:

“the foundation of a healthy relationship is good, open communication”

I think this is very true. 

There’s a direct correlation between communication issues and relationship issues. Silent treatments or the inability to communicate effectively, it is a clear sign of trouble.

 

Communication Issues Could Be a Sign That Your Relationship is in Trouble – A real-life experience to learn from:

 

“I confronted my wife about the fact that my stepdaughter would not speak when spoken to nor initiate speaking when I arrived home. I asked her if she would talk to her about it, and my wife told me to address it with my stepdaughter, who was in 3rd or 4th grade at the time. My mother-in-law told my wife it was her job…she took a pass. I knew then the marriage had a finite timeline. The child’s disrespect ultimately cost her parents dearly, remained a source of contention in our marriage, and helped accelerate our demise.”


 

 

Can Communication Issues Be Solved?

 

The key to resolving communication issues starts with intention and fast action – Surprise, Surprise.

 

When you allow things to simmer for too long it is easy to build deep seated resentment.

 

That’s when it’s harder to come back from.

 

Communicating honestly but with kindness, as much as humanly possible, is key.

marriage counseling

 

Here are a couple of simple relationship communication tips: 

 

  • Ask for permission to discuss hard things and ensure the timing is right. Address issues when there are no distractions, and the environment is conducive. This could distinguish between a cordial conversation and WWIII in your house. If your partner doesn’t want to discuss something in the moment, forcing the conversation could be a bad idea. However, if they never want to discuss hard things – that’s usually a red flag that shouldn’t be ignored.  

     

  • Try to frame negative statements with ‘we’ instead of ‘you.’ For example, “I know we are having an issue with _____. Let’s discuss how we can solve it together”.

     

  • As my Uncle Larry would say, pause and collect your thoughts. The art of the pause is powerful. Moments of silence are different than silent treatments. Give your brain a chance to process what was said, ask for clarification (when needed), and then respond with something you won’t regret.

 

This book breaks down communication issues on level I’ve rarely seen so it might be worth checking out if you’re trying to save the relationship – Secure Love: Create a Relationship That Lasts a Lifetime.

But, if your intention is ripping their heart out and stomping on it – you do you – feel free to ignore the tips above.

Multiethnic couple arguing on street

 

Is there a connection between money & marital bliss?

 

As a financial professional, I could not write this blog post about signs that your marriage is in trouble without discussing money.

 

Money continues to be one of the major stressors of all humans regardless of marital status, and it’s definitely an underlying issue of divorce.

 

Here are a few financial signs that mean your relationship is in trouble:

 

  • Arguments about small expenses. Little things can turn into big things quickly. Unless your family is severely cash strapped, arguments about $5 here and $10 there is annoying. But it’s often a sign of a larger issue. 

     

  • Clashing money personalities. It’s okay to have different ways of doing things. Still, you should move toward the same goal when you’re in a romantic relationship. A lack of shared vision or unified planning is problematic.

     

  • Money used as a power move – Salaries should not be used as a weapon against you. A marriage should include financial transparency and respect regardless of the amount of financial contribution. Money spent frivolously on other people or things is a sign of trouble.

 

2 Real-life experiences to learn from related to money and control:

 

“My first husband was not bringing home money, and I had to hunt him down on paydays. Constantly cheating – the final straw was when his girlfriend called my house with information on their engagement. My second husband was too mean and controlling. I cannot be controlled.” >:D


 

“I suspected he had a serious mental health condition after our first child was born because he wanted to control me by not letting me work and controlling all the money. When I did get a little part-time job waitressing, he came in and caused a commotion and got me fired. When I was pregnant with our second child, and he threw me on the ground and choked me. I knew I had to go then for sure. He also told me he would drug me when I didn’t know it and get me committed to a mental institution so that he could get the kids. 😮

That’s when I promised myself I would go back to school so I could support my kids after the divorce, and I did. Luckily, my father paid for school, and my aunt babysat some so I could go back to school part-time. He went to federal prison. That’s when I divorced him and finished school because I knew he couldn’t retaliate while in prison. I stayed 3 1/2 years after the choking incident so I could be financially able to take care of us. If there’s one thing I would have done very differently, I would have gotten out sooner because the kids would not have had the attachment they had.”

 


 

 

Is Money Keeping You Stuck in a Sucky Relationship?

 

If financial issues keep you from progressing as a couple, here’s a tip that may help.

 

Align your goals—There should be room for ‘me’ and ‘we’ goals. ‘Me goals should support, not counteract, ‘we goals’. Address unhealthy behaviors that prevent you from reaching your financial dreams as a team.

 However, if your financial issues are part of a deeper problem and are keeping you stuck in the relationship that you want to get out of, here’s a different tip for you.


Take Your Power Back—If your partner is hiding financial information, controlling how you spend money, and holding you financially hostage, formulate a game plan to regain your financial power.

 

 

Does it feel like your partner has checked out of the relationship?

 

The reality is that most people don’t check out of relationships overnight – especially marriages. When date nights become infrequent, or you just aren’t spending quality time together like you used to, it could be a sign of trouble.

 

Maybe there’s a good reason, and this is a “seasonal” issue. Still, you and I both know your partner’s needs (or yours) can’t go unmet for long periods without it leading to bigger problems. A lack of physical intimacy is a silent treatment louder than words.

 

What about when you find yourself having negative feelings a little too often? If you cringe when you see their face, hear their name, or feel their touch, it’s a good reason to be worried.

 

3 Real-life experiences – Emotional Distance and Indifference = Checking Out:

“I knew the moment I officially moved out. I was firm that if he let me leave, I was never coming back. He let me leave – ain’t nobody got time for that. We even messed around a bit after I moved out, but there was no reconciling at that point.” :/


“I did not look at her as my prize. She was just another woman. Had no desire or energy to work on the faults. In my mind, if I saw her in a romantic setting with another man, I would not be upset. 💡 That’s when I knew it was over.”


“At counseling, the therapist suggested to her that four years of breastfeeding might be a way of avoiding intimacy with me. Her response was – “I have no intentions of quitting breastfeeding to get intimate with him.” End of session. End of marriage.” o_O

 

How to Reconnect Using Love Languages 

Gary Chapman’s The Five Love Languages: The Secret to Love that Lasts has some relationship gurus in a choke hold. While Mr. Chapman was not a relationship guru or licensed therapist (he was a church marriage counselor and pastor), I think his theories on love languages make sense in the most basic way possible.

 

You and your partner may have different primary needs, and it’s mutually beneficial if you understand them.

 

Do you remember your partner’s love language?

 

Do you know your own?

 

If you haven’t completely given up on your relationship yet, it’s essential to recognize that love languages can change.

 

So, the first thing to do is to make sure that you and your partner understand each other’s current love language. Then, use that information to work through your relationship problems in a healthy way.

 

Try this as a baby step to improve your relationship: Facilitate discussions based on each other’s love language. For example, if your partner loves physical touch, have a deep talk while holding hands or cuddling because physical touch lowers stress by releasing oxytocin.

Lowered stress may equate to lower defenses or attacks, making your conversations more productive.

 

This could be the breakthrough you need to START to work through in terms of communication issues, intimacy issues, and other relationship problems.

 

To be clear, implementing this strategy will still require lots of patience and work.

 

I’m not naïve enough to suggest that “all you need to do is hold hands”

 

When the relationship can’t be saved

 

The reality is that every relationship can’t be saved. However, when your and your partner’s attempts to save it are well aligned, it can result in a healthier, more committed relationship. This blog post has uncovered various signs that your relationship might be in trouble.

 

Your final hat trick may be expert relationship intervention through couples therapy, marriage counseling, or divorce lawyers, and there is no shame in that.

 

 

I’m sure you gave it your best shot, and I want you to be prepared for the next phase.

You May Also Be Interested In:

 

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

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.

What We Can Learn From Meghan Markle

What We Can Learn From Meghan Markle

What We Can Learn From Meghan Markle

 

Quotes & Lessons from the CBS Interview

 

It’s somewhat ironic that the 2021 theme for International Women’s Day is “Choose to Challenge.”

Watching the recent CBS interview with Meghan Markle & Prince Harry confirmed what you may already know – We are more alike than we are different.

The idea of Choose to Challenge is about making a conscious decision to challenge traditional stereotypes, biases, and inequalities, as well as gendered norms, assumptions, and standards.

Their interview was an example of challenging the longstanding tradition of not going against “The Palace”, “The Firm”, “The Institution”…*insert proper name*.

 

Download our Ultimate financial resource guide to get started on finding the right resources to work on your financial game plan or share this with someone who may need it.

 

Look, I’m definitely not a citizen of the U.K. or The Commonwealth, but I love “The Crown”, Idris Elba, Fortnum and Mason, and Hazelnut Shortbread cookies (biscuits). And I’m definitely #TeamMeghan & #TeamHarry, sooo… here we are.

Watching the interview connected so deeply with me because I know so many women who are in Meghan’s shoes. Not Royal shoes, but HER shoes.

Have we come a long way?

Of course.

Women have the right to vote.

Women no longer need their father, husband, or son to sign their name on the dotted line just for them to get a bank loan.

But do women still end up on the crappy end of the stick when it comes to a lot of things (divorce, child rearing responsibilities, pay equity, etc)?

Absolutely!

Assuming a person of privilege can’t suffer racism or being accused of lying about suicidal thoughts is HARD enough stuff to deal with privately, but PUBLICLY… Jesus take the wheel!!

As we continue to seek ways to own our power and have our voices heard, I wanted to share some of my takeaways from the interview.

 

Quotes from the Meghan Markle & Prince Harry Oprah Interview

 

“Just being able to live authentically” (Meghan Markle)

Life is short. Is that too much to ask?

Sometimes.

Do what makes you happy anyway.

We hear this message from women of all ages, economic status, race, ethnicity, and various backgrounds too often for it not to have value.

You will be ridiculed, undermined, and underappreciated by some, but you will also be respected, loved, and admired by others.

Just do you.

 

“When the perception & the reality are two different things…”

It’s hard to get people to understand a truth that differs from their reality, from their perception.

We are often judged by the experiences and perceptions of others instead of the actual reality we live.

Think about it — there are still people that believe the earth is flat 🙂

One of the most important opportunities we have is that it’s ok to tell our truth and remove the burden of trying to convince people that it’s true.

It’s their choice to believe or support, just like it’s yours to live your truth.

 

“If you love me, you don’t need to hate her, and if you love her, you don’t need to hate me.”

Now let’s switch these pronouns a bit.

Change “her” to “him.”

Now stand on the mountaintop and scream this to your family and friends. The love they have for each of you is not mutually exclusive, and just because you are going through a divorce, doesn’t mean that your family and friends have to pick sides (even if they feel they need to do so).

While this often happens, sometimes just repeating Meghan’s quote to them may open their eyes that this doesn’t have to be the case.

 

5 Lessons/Reminders from the Meghan Markle & Prince Harry Oprah Interview

  1. Be prepared for truths to get twisted.
  2. Yes, it’s possible to feel lonely when you don’t feel free.
  3. You can share your truth without being disparaging to others.
  4. Admitting that you need help is a sign of courage, not weakness.
  5. You can have “space” in a relationship with a family member, but yet still have deep love and empathy for them. (Family may be everything but so is your peace of mind)
Nikki Tucker

Nikki Tucker

Founder & Managing Director of The FIIRM Approach

 

Nikki is a Blogger, Speaker, and primary financial strategist of The FIIRM Approach. As a mom, 20+year financial services professional, and Certified Divorce Financial Analyst ® she is committed to helping female breadwinners strategically prepare their finances for divorce and confidently maintain their financial security pre and post divorce. Nikki uses action-based education in her Bring Home the Bacon workshops and strategy sessions as well as her on-demand digital resource – Silent Preparation Series - so you can prepare your finances for life's major transitions.

TAKE ACTION TODAY & LEARN about the simple things that can help make your pre & post divorce life easier  - Grab Your Complimentary Divorce Support Pack today

 

 

Do You Speak His Divorce Language

Do You Speak His Divorce Language

Do You Speak His Divorce Language

Read this post when you’re ready to be strategic about your conversations with your soon-to-be-ex a.k.a “his a$$.”  😉

Share this post with someone that you know should be ready 🙂

It’s unnerving and uncomfortable to talk about how you’re going to split assets, but it’s necessary when you’re preparing to divorce.

Having the right money conversations early can often save you headaches and money during a divorce. 

If you’re looking for tools to help you manage your finances grab our
2020 Ultimate Financial Resource Guide.

We also recognize that fighting about things like custody sucks – but it’s common, and you want be ready. 

While there’s no true winner in a divorce, it’s for damn sure you don’t want to lose. 

Ultimately, we just want to make sure you’re prepared as much as possible. 

Upping your communication game can be a valuable tool when you’re preparing for divorce. 

 

Make Your Divorce Settlement Conversation Better, Not Worse

The most successful conversations occur when you’re aware of the personality, concerns, and communication style of the participants.

Before you begin any discussion or negotiation with your partner, start by asking permission. This can help bring down defenses. For example, “Is it ok if we start with…” can be a powerful question. 

We are not naive enough to suggest that your pending divorce is going to be smooth sailing because of our pointers, but we know that there are some key things to remember to reduce conflict. 

Here are a few notes to help you:

  1. Be respectful. Don’t interrupt your partner when they are speaking. (We know it’s HARD.) If you are worried that you might forget what you were wanting to say, take notes so that you can come back to specific points. 
  2. Establish the goal of the conversation before the discussion. Self-awareness is vital to having a successful conversation. You have to be aware of your goals and your vision. What would you consider a successful conversation? 
  3. Be patient with yourself and others. Take slow, deep breaths when you feel anxious or upset. When others become noticeably uncomfortable or begin to shut down, don’t push too hard, especially if you know your spouse typically struggles with difficult conversations. It’s ok to discuss topics in bite size pieces.
  4. Be mindful of your facial expressions and body language. He can see you rolling your eyes. 😉
  5. Be positive/optimistic as much as you possibly can. 

Here’s a good bottom line, a.k.a. a FIIRM approach: Be mindful of the way you communicate differing opinions. Affirmative tones can help keep defenses down and encourage genuine listening.  

Take a look at the conversation “CheckPoints” below.

How to use his Style to Your Advantage in a Divorce

When deciding what option to pick to communicate effectively with your partner, note that people often have primary or dominant personality traits. 

If you feel as if they have a primary and a very close secondary style, you can intertwine the communication notes for the respective categories.

Here’s a fun way to think about it. 

  1. Consider their “marine animal” personality
  2. Use their marine animal personality to change the way you communicate with your spouse about your divorce. 
  3. Replace your wallet picture of him with a picture of his dominant personality 😉

Marine Animal Personality Types:

Dolphin – Dolphins are the life of the party. They love to talk and are typically very expressive.

Strengths: See the possibilities in solutions. Makes quick decisions. Thrives on being around people. Animated expressions and often speaks loudly. 

Weaknesses: Less time-oriented. Can be seen as a dreamer. Easily bored with routine or becomes less productive when energy diminishes.

Shark – A shark is ultra-competitive and often aggressive. They enjoy being in charge and driving the decision.

Strengths: Need to feel in control. Thrives on motivating others and making fast decisions. Money and power can be motivating factors.  

Weaknesses: Inpatient, bossy, has a difficult time apologizing, and is an impulsive decision maker. Strongly dislikes feeling powerless or controlled.

Urchin – Analytical, detailed-oriented individuals. Urchins are good at planning but may take longer to make decisions. Facts are important. 

Strengths: Disciplined and relies on logic. They prefer to have all the facts and information before making a decision. They thrive on respect. 

Weaknesses: They may be too introspective, critical of others, and unforgiving. Over-analyzes; May seem cold & distant.

Whale – A whale is a caretaker. They are amiable and dependable. They seek to please others. 

Strengths: They tend to be more easy going, sympathetic, and kind. They work well under pressure, and flourish in a supportive environment. 

Weaknesses: They may remain quieter during a conversation. Overly emotional. May take a pessimistic attitude; May lack motivation and discipline to stay on task.

Plan Your Divorce Using Unspoken Leverage

The divorce process can be emotionally overwhelming. 

Often things are said that one of you might regret later. 

Fighting is often based in fear. If you are able to take the time to remember some key things about your soon-to-be-ex, it could be helpful in getting your divorce strategically. You will likely have a deeper understanding of his fears.

This is not about playing games, just recognizing what game you are in. 

Utilize the tips above to plan your upcoming conversations. 

Until next time… Patience and progress!

Nikki Tucker

Nikki Tucker

Founder & Managing Director of The FIIRM Approach

 

Nikki is a Blogger, Speaker, and primary financial strategist of The FIIRM Approach. As a mom, 20+year financial services professional, and Certified Divorce Financial Analyst ® she is committed to helping female breadwinners strategically prepare their finances for divorce and confidently maintain their financial security pre and post divorce. Nikki uses action-based education in her Bring Home the Bacon workshops and strategy sessions as well as her on-demand digital resource – Silent Preparation Series - so you can prepare your finances for life's major transitions.

TAKE ACTION TODAY & LEARN about the simple things that can help make your pre & post divorce life easier  - Grab Your Complimentary Divorce Support Pack today

 

 

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