Everyone knows communication is key to a happy marriage. Couples love talking about their future together and exciting vacation plans, but avoid the tough conversations like finances. In fact, 91 percent of Americans said they actively found reasons to avoid discussing money with their partners, according to an American Express Spending and Saving Tracker poll.

Even though they’re not communicating about money, couples are stressing about it. A Money Magazine poll found four out of five spouses believe they’re on the same page as their partner when it comes to money, but 22 percent of husbands and wives have spent money they didn’t want their partner to know about.

According to the same Money Magazine poll, 70 percent of couples report fighting over money. These arguments focus mainly on frivolous spending, savings, deceit, and exclusion from decisions.

A Utah State University study found that couples who reported disagreeing about money at least once a week were more than 30 percent more likely to divorce than couples who reported disagreeing about finances a few times a month.

It’s difficult enough for a single person to stay on top of budgeting, spending, and paying bills, and finances become that much more challenging as a married couple. Here are some tips for a healthy financial discussion with your significant other.

  • Talk early. Discuss possible financial concerns before they become a problem. Emotions will be lower, creating conditions more conducive to a constructive conversation, rather than a fight.
  • Keep emotions at bay. Money is an emotional topic. Most people have opinions about what they earn, spend, and save – and it can be difficult to see another point of view. Try to stick to the facts of the topic and be prepared for his or her emotional response. Be sure to acknowledge how the topic makes him or her feel and to explain how it makes you feel. Remember that if you both remain calm, you’ll be able to reach a resolution more effectively.
  • Ask for your partners input. You may feel confident you know the best way to handle your household’s money, but it’s important to remember your finances are a team effort. Ask for your partner’s input even if he or she isn’t volunteering it. Your significant other might have a point of view you hadn’t considered, and it’s important that you both feel a valuable part of your home’s finances.
  • Hiding doesn’t help. Open up completely about whatever financial topic you’re discussing. Don’t try to hide purchases or lie about financial mistakes you’ve made. The more transparent you are, the more both your finances will benefit.
  • Get help. Credit unions are member-owned and are dedicated solely to service. They can provide expert advice to couples, whether they’re just starting out or need to get on better financial footing.

Learn how Day Air Credit Union can help you do more with your money! Day Air can help with financial education and budgeting!

Checking Accounts

Premium Perks

Freedom Checking

CashBack Checking

Direct Deposit


Savings Accounts

Savings Accounts

Super Saver

Money Market





Debit Card

Low Rate Credit Card

Rewards Credit Card

CU Rewards

Card Controls


Mobile Deposit

Online Banking

Pay Someone


Compare Rates

Vehicle Loans

Auto Loans

Refinance Your Car

Motorcycle & Jet Ski Loans

Boat & RV Loans

Mortgage & Home Loans


Refinance Your House

Home Equity Loans

Construction Loans


Personal Loans


StretchPay Loans

Student Loans

Credit Cards


Apply for a Loan

Pay a Loan

Online Bill Pay

Chat With Us

Financial Planning



Estate Planning

401(k) Rollover

Retirement Planning

Day Air Insurance

Auto Insurance

Home Insurance

Identity Theft Protection

Life Insurance

More Products & Services


Financial Counseling

Credit Reports

Reorder Checks


Online Banking

Online Banking

Online Bill Pay

Login to Online Banking

Mobile Banking

Mobile Banking

Mobile Deposit

Pay Someone

Text Banking


Apply for a Loan

Pay a Loan


Mobile Pay

Chat With Us


Business Checking

Business Savings

Business Certificates


Business Debit Card

Business Credit Card


Commercial Loans

Term Loans

PPP Loans

Line of Credit


Business Bill Pay


Online Business Banking

Login to Business Banking

Login to PIB MLO

Business Banking App

Join Day Air

Why Choose Day Air

Membership Eligibility

Annual Member Savings

Compare Rates

Join Day Air


Community Involvement

Financial Education

Dayton VA Medical Center

Dayton Dragons

Contests & Sweepstakes


Press & News

Newsletters & Reports



Helpful Resources