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5 Tips for "The Money" Conversation

There comes a time in every relationship when money becomes a critical topic that couples need to discuss.

It can be a source of tension and conflict if not handled properly.

However, talking about money doesn't have to be a difficult or uncomfortable experience. In fact, with the right approach, it can be an opportunity for growth and understanding in your relationship that will ultimately strengthen your bond as a couple.

In this Volume of The Smoov Finance Handbook, we will go over five tips to help you initiate and navigate the conversation about money with your partner.

Tip One: Be honest and open about your feelings and concerns regarding money

One of the biggest obstacles to having a productive conversation about money is not being honest about your feelings and concerns. It's important to be open and transparent with your partner about your thoughts and emotions when it comes to money. Everyone has a different relationship with money so you shouldn’t expect that you and your partner are going to be on the same page immediately. Communicating your feelings and concerns can help you both understand each other better and work towards finding a money solution or plan that works for both of you.

Tip Two: Use "I" statements when expressing your thoughts and feelings

When discussing finances with your partner, it's important to use "I" statements instead of "you" statements. This can help prevent the conversation from becoming accusatory or confrontational. For example, instead of saying "you always spend too much money," say "I feel worried when our expenses exceed our income." This way, you are expressing your feelings and concerns without placing blame on your partner.

Tip Three: Try to see the conversation as a problem-solving exercise rather than a confrontation

Money conversations can quickly start to feel like a battle or a competition, with each partner trying to win the argument. However, it's important to approach the conversation as a problem-solving exercise, where you both work together as a team to find a solution that works for both of you. This can help shift the focus away from the conflict and toward finding a mutually beneficial solution.

Tip Four: Be willing to compromise and find solutions that work for both of you

Compromise is a key component of any successful relationship, and the same goes for money conversations. It's important to be willing to compromise and find solutions that work for both of you. This might mean adjusting your spending habits or finding a new way to manage your shared expenses. Whatever the solution, it's important to work together to find a compromise that works for both of you and get on the same page so you can move forward as a team.

Tip Five: Remember that money is just a tool to help you achieve your goals. Try to keep the conversation focused on those goals.

Finally, it's important to remember that money is just a tool to help you achieve your shared goals. Whether that's saving for a house, paying off debt, or planning for retirement, the ultimate goal of managing your finances is to achieve your shared goals. By keeping the conversation focused on these goals, you can work together to make intelligent financial decisions that will benefit you both in the long run.

Hopefully, these Smoov tips help you navigate this challenging dynamic. Talking about money with your partner can be difficult but it is a necessary conversation to have to help strengthen your relationship.


By being honest and open, using "I" statements, approaching the conversation as a problem-solving exercise, being willing to compromise, and keeping the conversation focused on your shared goals, you can have a productive and fruitful conversation about money.

Remember, the goal is not to win the argument, but to find a solution that works for both of you.

Next time in The Smoov Finance Handbook we will be discussing when the right time to have “The Money” conversation is.

Until next time Smoovers. Take it easy and keep it Smoov.


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