April 29, 2014 in Smart Money

Are you and your honey a money match?

Run to the ATM to deposit it. You Spouse
Head to your favorite department store for some retail therapy. You Spouse
Pad your weekly budget with another $100. You Spouse
Buy 100 lottery tickets. You Spouse
Search for the person who dropped the $100 and give it back. You Spouse
Next Question
A $50,000 savings account. You Spouse
A $50,000 sports car in the driveway. You Spouse
Seeing that $50,000 credit card debt disappear. You Spouse
Next Question
I'm a joiner: I want to combine bank accounts, investments, household expenses and debts, etc. You Spouse
A little distance please: We need to live together for a while before we make a long-term decision. You Spouse
Keep 'em separated: I want autonomy over my personal finances. You Spouse
Next Question
Regularly carry over balances on your credit cards? You Spouse
Have any charge-offs on your credit report? You Spouse
Regularly miss payments on household bills? You Spouse
Next Question
Children. You Spouse
A house. You Spouse
Zero debt. You Spouse
A sports car. You Spouse
Enough money to retire. You Spouse
Next Question
I'd save early and often to build a special college fund. You Spouse
I probably wouldn't save up, but I'd probably help with expenses if and when they ask. You Spouse
If my kids want to go to college, they'd better be smart enough for a scholarship. You Spouse
Next Question
Yes You Spouse
No You Spouse
Next Question
One month's expenses. You Spouse
Six months' expenses. You Spouse
A year of expenses. You Spouse
Emergency funds are stupid. You Spouse
Next Question
Yes You Spouse
No You Spouse
Next Question
600s You Spouse
700s You Spouse
800s You Spouse
I don't know. You Spouse
Next Question
An emergency savings fund. You Spouse
Homeownership. You Spouse
A full-time job. You Spouse
I don't know. You Spouse
A top-notch credit score. You Spouse

1% TO 20%

Unless you work out some of these differences, you may want to start putting away some cash for a one-way ticket to splitsville. Couples who fight over money at least once a week are 30 percent more likely to get divorced than those who disagree just a few times a month, according to a 2009 study by Jeffrey Dew at Utah State University.

21% TO 40%

Your differences on financial issues may put pressure on your relationship, so keeping up an honest dialogue on money is key. A 2014 survey finds that 76 percent of Americans had been hurt by "financial cheating" such as concealing purchases or bank accounts from their partner.

41% TO 60%

You agree on many of the big financial issues, although one of you may tend to play more fast and loose with their cash than the other. A little give-and-take on household financial issues and the occasional family meeting to discuss them may be enough to keep money disagreements at bay.

61% TO 80%

You are mostly in agreement when it comes to your money-management style and your financial priorities. That will undoubtedly help you avoid a lot of fights about money, but it might be smart to get an outsider's perspective from a fee-only financial planner. Good financial advice could help you avoid turning down the same dangerous financial path together.

81% TO 100%

You are on the exact same page as your partner when it comes to your money-management style and financial priorities. Now all you have to worry about is whether that page also contains the words "overspending," "debt" or "bankruptcy." Getting an outside perspective from a fee-only financial planner may be key to help you avoid groupthink.