Becoming a Financial Couple
Build your financial future together with open conversations and shared money goals
Considering a Joint Account?
Explore joint, individual or combination approaches for money management bliss.
Make more out of your money together.
Earn higher dividends on your deposits while maintaining flexible access to your funds.
Small Steps for a Big Future Together
- Schedule monthly money check-ins to review spending, celebrate progress and stay aligned on goals
- Give each other guilt-free spending money to spend without needing to discuss it first
- Celebrate financial wins together and acknowledge it as a team achievement
- Build your emergency fund first and work toward 3-6 months of expenses
Money Management for Two
Have "the money talk" early and often
Before you merge anything, sit down and have an honest conversation about your financial situations. Share your income, debts, credit scores, spending habits and money mindsets. Discuss how you were raised to think about money—these early lessons shape our financial behaviors as adults.
Decide on your account structure
There's no one-size-fits-all approach. Some couples combine everything into joint accounts, others keep finances separate, and many choose a hybrid model (joint account for shared expenses, individual accounts for personal spending). Pick what feels right for your relationship and revisit it as things change.
Create shared financial goals
Dream together about what you want to accomplish in the next year, five years and beyond. Whether it's buying a home, traveling, starting a family or retiring early, having shared goals gives your money purpose and keeps you working as a team.
Build a budget together
Track your combined income and expenses, then create a spending plan that reflects both of your priorities. Try the 50/30/20 rule as a starting point: 50% for needs, 30% for wants, 20% for savings and debt repayment. Make sure you both have input and agree on the plan.