Before you walk down the aisle, it’s important to have frank discussions about finances and your views on handling money. These conversations may be uncomfortable at first, but avoiding them could prove much more costly down the road: Money problems are one of the leading causes of divorce.

Include these topics in your conversation:

Account structure
Will you merge all your accounts, keep individual accounts, or create a mix? How will you title the accounts?

Spending and saving habits
Spenders and savers can peacefully coexist if you keep the lines of communication open. Ask each other:

Does the higher earner get to spend more?
Do you spend out of the joint account as long as there are sufficient funds?
Do you have to answer to each other…