6 smart financial wedding vows

Sure, love conquers all. But when it conquers you, take the time to make sure you and The One have your financial ducks in a row.

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Jun 3, 2013 8:58PM
We put all our cards on the table after we were engaged.  My husband-then fiancé- and I each requested copies of our credit reports and then sat down and had 'the talk.'  We evaluated his debt (I was debt free) and discussed all these issues mentioned here, as well as other important issues:  birth control both before (my turn) and after we had kids (his turn=vasectomy).  We also discussed me working part time after we had kids, and agreed on a dollar amount that if we wanted to purchase something that exceeded this, then we would consult with each other.   We also agreed who would handle the bills and finances.  We chose not to have separate accounts, this way there was accountability every step of the way. We've been married 20 yrs this year.  The first year was the hardest and there were issues that came up:  I didn't want to tithe 10% which he was adamant about.  He had never regularly changed his oil, which I insisted he needed to do in order to maximize his car's life.  He thought that I was 'money managing him into a box' but after he saw the benefits of spending less than we made (the fact that we'd paid off his debts to include both our cars), he decided that it was a good thing.  We now tithe on our gross income and have been blessed beyond expectation in our marriage finances. 
Jun 3, 2013 9:11PM
Prostitutes and maids combined cost less than a wife... 
Jun 3, 2013 11:37PM
the most important thing:  have similar earnings potential and financial goals.  :
Jun 3, 2013 8:32PM
I will always remember what my friend and family Doctor told me. "Why  get married and ruin a perfectly good relationship".
Jun 3, 2013 8:33PM
It helps if you like to spend money on the same things. Then, if you splurge, at least you both feel it was spent on a worthy cause.   
Jun 4, 2013 8:04AM
My wife and I were together for 7 years prior to getting married.  We continued on the same money path after marriage as before marriage.  It's pretty good for her because we have no joint accounts and I pay for almost everything (mortgage, cable, electric, insurances etc).  This was mostly because she has always struggled with low paying jobs.  The philosophy has been "it's your money you make the decision on how to spend it".

Now in the past year she received a raise and changed jobs to the tune of a 67% increase in pay......... while I have been laid off and can't find a job....and I still pay all the bills because she still has no money.  I don't get it.  It's like a money black hole.
Jun 4, 2013 11:28AM

This list does not contain the most important advice of all - PRE-NUP!  My wife and I have spent a lifetime building a 7-figure portfolio.  I told her if I die, I want her to find happiness with a new love, BUT, DO NOT allow anyone to have access to the assets she has.  I'd do the same. Too many unethical losers out there just trying to find a sugar-mamma/daddy.

Jun 4, 2013 12:01PM
Jun 3, 2013 9:27PM
I don't let my husband (12 years younger than me) have an ATM card. His way of thinking... "if there's money in there... could be $5.00 or $500... then it's there to spend".... so I've had to watch our money closely over the years. He was never taught how to be responsible with money at all.
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