生活方式 阅读时间:3分钟

防止不和:给新婚夫妇的理财建议

One survey found that 35% of couples attribute stress in their relationship to financial issues. This could explain why some experts say financial problems are one of the top reasons marriages fail.1,2

幸运的是, when couples work together to address their finances, they may be able to mitigate many of the problems money may cause in a marriage.

给新婚夫妇的10个建议

  1. 沟通 - Couples should consider talking about their financial goals, 记忆, 和习惯, as each partner may come into the marriage with fundamental differences in experiences and outlooks driving their behaviors.

  2. 设定目标 - Setting goals establishes a common objective that both partners become committed to pursuing.

  3. 制定预算 - A budget is an exercise for developing a spending and savings plan that is designed to reflect mutually agreed-upon priorities.

  4. Set the Foundation for Your Financial House -确定资产和债务. Look to begin reducing debts, while building your emergency fund.

  5. 一起工作 -通过分享财务决策, 夫妻双方都享有所有的选择权, reducing the friction that can come from a single decision-maker.

  6. 为大额支出设定一个最低门槛 - While possessing a level of individual spending latitude is reasonable, large expenditures should only be made with both spouses’ consent. Agreeing to a purchase amount should require a mutual decision.

  7. 定期召开会议 - Set aside a predetermined time once or twice a month to discuss finances. Talk about budgeting, upcoming expenses, and any changes in circumstances

  8. 更新及修订 -作为新婚夫妇, you may need to update the beneficiaries on your accounts, 重新评估你的AG捕鱼王在线app下载范围, 修改(或创造)你的意志.3

  9. 爱,信任和诚实 - Approach contentious subjects with care and understanding, be honest about money decisions you know your spouse might be upset with, and trust your spouse to be responsible with handling finances.

  10. Consider Speaking with a Financial Professional - A financial professional may offer insights to help you work through the critical financial decisions that all married couples face.

1. CNBC.2023年5月9日
2. Investopedia.2023年6月10日
3. 起草遗嘱时, 考虑寻求律师的帮助, 税, or financial professional who may be able to offer additional insight, especially if you have a large estate or complex family situation.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as 税 or legal advice. It may not be used for the purpose of avoiding any federal 税 penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.

 

相关内容

与金融专业人士一起工作

与金融专业人士一起工作

A financial professional is an invaluable resource to help you untangle the complexities of whatever life throws at you.

你的DNA测试

你的DNA测试

Preparing for the unexpected can make all the difference if your family relies on your income.

系统性提款

系统性提款

This calculator may help you estimate how long funds may last given regular withdrawals.