Financial Conversations Before "I Do"
You’ve picked the venue, finalized the guest list, chosen a cake flavor, and built the perfect wedding playlist. But have you tackled one of the most important pre-wedding steps? An honest financial conversation with your partner.
It’s not the most glamorous part of wedding planning, but it may be the most critical. Financial stress is one of the biggest sources of conflict in marriage. Talking openly about money now helps you start your life together on the same page.
Think about your wedding playlist, you marked some songs as “must plays” and others as “hard nos”, you will need to talk through your reasoning. You will agree immediately on some and have to hear each other out on others.
In that same spirit, here’s a different kind of playlist, one designed to spark important conversations about money and finances before the big day.
"Money, Money Money" - ABBA
This iconic ABBA song is a great place to start. What do you have? Checking, savings, investments, retirement accounts. Being transparent about your current financial picture builds trust and prevents any surprises later.
"All the Debts I Owe" - Caamp
This might feel like a track you’d skip. Maybe indie folk isn’t your style, and honestly, who likes talking about debt? But just as important as assets are liabilities. Student loans, credit cards, car payments, a mortgage, or anything else with interest attached. Make sure to discuss repayment strategies and how you plan to tackle any outstanding or future debt together.
"Bill's, Bills, Bill's" - Destiny's Child
Almost as fun as debt? Bills. Who will actually manage the household finances? Decide who will pay the bills, track spending, and make sure you stay on budget. Every couple’s system looks different, so come up with a plan that works for both of you. Set expectations and make sure you are on the same page.
"Started from the Bottom" - Drake
As Drake reminds us, not everyone starts in the same place, but financial paths evolve. Your money habits often trace back to how you were raised. Share your financial background and relationship with money. Understanding each other’s mindset helps explain behaviors and avoid misunderstandings.
"Material Girl" - Madonna
Madonna embodied the ‘80s “material girl,” for fashion and a luxe lifestyle. We all have certain priorities when it comes to spending. Maybe it’s travel, dining out, or clothes. Talk openly about what you each value, and where you might be willing to cut back. This is how you create a spending plan that works for both of you.
"9 to 5" - Dolly Parton
Is a “9-5” going to be your lifestyle? Or do you have plans to start your own company one day? Your careers shape your future lifestyle. Discuss your goals, expected work hours, and long-term plans. Will both of you work full-time? Maybe one partner is considering a career change, graduate school, or staying home with children. Plans may change but setting expectations early helps.
"I Need a Dollar" - Aloe Blacc
Life happens and sometimes you need more than just a dollar. Job loss, health issues, or unexpected expenses can throw even the strongest couple off track. Talk about how you will prepare for emergencies. Do you have an emergency fund? How much feels comfortable for you both?
“Mo Money Money Problems” - The Notorious B.I.G
Sometimes “Mo Money” really does mean “Mo Problems.” As your income and wealth grow, so will financial complexity. There will be more accounts, more investments, and bigger decisions. Make sure both partners are involved, informed, and confident about your shared plan. No one should be left in the dark.
Final Thoughts
Talking about money may not feel romantic, but it’s one of the most important steps in building a lasting partnership. A wedding requires endless decisions, but in the middle of all that planning, it’s just as important to carve out time for financial conversations. Laying this groundwork now sets you up for a stronger, more confident start to your life together.
Everyone loves a curated playlist. Some tracks might not be your favorite, but the purpose is the same: creating harmony. These money talks work the same way. Even if a topic feels uncomfortable, lean in, because skipping it now can create static later. The more open and honest you are before the big day, the stronger and steadier the foundation you’ll have for the life you’re building together.
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