Money doesn’t just influence what you can afford but it shapes how you build a life together. In fact, financial stress continues to be one of the most significant sources of tension in relationships. Understanding your partner’s approach to spending, saving and planning can dramatically improve not just your financial future, but also your emotional connection.
“Your money habits are part of who you are,” says Stian De Witt, CFP®, Executive Head of Financial Planning at advisory firm NMG Benefits. “When partners understand each other’s financial mindset - whether one’s a saver and the other is a natural spender, they are better equipped to make decisions that support both the relationship and their long-term goals. It’s not about agreeing on everything; it’s about creating clarity, fairness, and a shared direction.”
Start with the basics: your financial personalities
Every couple has their own blend of money habits. One partner may love budgeting, while the other might be more carefree with spending. These differences don’t have to cause conflict - but failing to talk about them often does. Understanding each other’s financial personality creates space for more aligned decisions, from daily budgeting to long-term planning.
Build a foundation for stability
Healthy relationships thrive on structure, and that includes financial structure. Agreeing on how you’ll manage income, split expenses, and handle financial admin helps avoid resentment and ensures both partners feel seen and respected. A fair system leads to fewer arguments and more teamwork.
Create shared goals that excite you both
Whether it’s a dream trip, a first home, or planning to start a family, shared financial goals bring couples closer. When you plan together, you’re not just talking about money – you are talking about your hopes, timelines and priorities. This promotes deeper communication and a stronger bond.
Financial transparency builds trust
Financial infidelity can be as damaging as emotional infidelity. Transparency creates trust. When partners plan together, set goals together, and openly share financial realities, it becomes easier to stay aligned and avoid surprises.
Navigate life’s transitions as a team
Life changes: new jobs, relocations, kids, changing priorities, these all come with financial implications. Regular check-ins help couples adjust their goals, stay on track and support each other through each stage. These conversations strengthen the connection and ensure both partners feel secure.
“At the end of the day, money is not just about rands and cents, it’s about shared dreams,” says De Witt. “When couples take the time to understand each other’s financial habits, they’re not just planning for financial success. They’re investing in the success of their relationship.”
