Psychotherapist, Author and Relationship Expert

Quiz: How Financially Compatible Are You and Your Partner?

By Christina Steinorth MA MFT

When we talk about compatibility with a romantic partner, we usually think about issues such as physical chemistry, education, values, and perhaps even religion or socioeconomic background. But how often do we stop to consider our financial compatibility?

For each of the following questions, circle the answer, Yes or No, that’s true most of the time. Then see bottom for scoring.

Yes
No
My partner and I can talk about our finances (salary, savings, investments, retirement funds, separate or joint debt) openly and without a lot of acrimony.
Yes
No
My partner and I both pay off our long-term and credit card debt on time and consistently.
Yes
No
I do not have any financial secrets from my partner. (Answering “Yes” means the statement is true, “No” means false).
Yes
No
We have similar spending behaviors, or we are comfortable with the differences in our spending behaviors.
Yes
No
We have similar saving behaviors, or we are comfortable with the differences in our saving behaviors.
Yes
No
We have resolved most of our conflicts over money; money talk is easy between us.
Yes
No
It’s relatively easy to agree on shared expenditures, such as hotel prices.
Yes
No
We have found a solution we are both happy with in regards to combining our incomes or keeping separate accounts.
Yes
No
We are more or less accepting of the way the other person manages his/her money and budget.
Yes
No
We have a shared vision for our future in terms of where we realistically want to be financially in 10 or more years from now.

Scoring: Add up the number of Yes answers you checked.

1-3

Not financially compatible–yet. You and your partner would benefit from talking about finances openly and honestly. If you don’t learn how to discuss and resolve your financial differences and conflicts in a healthy way, money could begin to erode your relationship.

4-6

On the right track to becoming financially compatible. You and your partner are in a great position to take the next step. With more talking, disclosing, compromising, and understanding, you will soon be ready to plan a financial future together.

7-10

Financially compatible! Whether by luck or hard work, you and your partner are in good shape in terms of money and how it impacts your relationship. Like other lifestyle factors, money and finances can become an issue that brings you closer together.

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