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Ideally, even before you get married you and your (future) spouse will sit down and talk
about your vision of the future together. A centerpiece of that vision of the future should
be related to financial things. Even things you may not consider financial, have deep
financial implications. Use this article as a guide to help you harmonize your view of the
future now to keep your relationship strong over the next 50 years.

1. Will you own a home? Take time to describe the type of home you’d like to have.
Discuss the city and even the neighborhood where you’d like it to be. Talk about how
much you’ll spend on your home.

2. How many children will you have? This decision may have already been made, but be
sure to confirm with each other what you plan to do. Don’t let financial considerations
determine how many children you have, let the number of children you plan to have
guide your financial planning. There is always a way.

3. Will someone stay home with kids while they’re young? It is important to talk about
your careers and how you’ll manage raising the kids. Specifically talk about how you’ll
manage your roles as parents, providing for and caring for the children.

4. How much more education will you and your spouse pursue? You may be forty years
old and still thinking about finishing college or going back to school for a graduate
degree. Spend some time understanding one another so that you appreciate each other’s
individual goals for education.

5. How much responsibility do parents have for their children’s college education? Some
parents feel that their children are on their own after age 18 and others feel like helping
their children through college is their responsibility. Still others help their kids all the
way through graduate school, even if the kids are married. Make sure you’ve talked about
your view of a parent’s responsibility for a child’s education.

6. Is debt to be avoided morally? Some people approach debt with purely practical
thoughts. Others view debt as morally wrong. Be sure you and your spouse have talked
about your views about debt so that you can develop either identical or at least mutually
respectful approaches to borrowing money, using credit cards, etc.

7. What sort of cars will you drive? This seemingly trivial question may have a greater
impact on your ability to achieve your other financial goals than any other question in
this article. If always driving new cars is important to you, that will have implications. If
you are content to drive old cars, that will have different implications.

8. Where and how often will you vacation? For many people, photos of family vacations
are prized possessions and the memories are cherished treasures. For others, travel is a
stressful burden. Talk about your view and how you’ll approach family vacations. Be
sure to consider, at least briefly, how the dynamics of vacations will change as your
children leave the nest. Will you expect your children to visit home with their families at
the same time each year or just pop in when they can?

9. When and where will you retire? Not only do you need to decide when and where, but
also how you’ll retire. What do you want retirement to look like? With careful planning,
you may be able to retire much earlier than your peers. Some people can’t imagine
retiring—some never do. Talk about what’s important to you.

As you talk about your financial future together, your goal should not be to persuade your
spouse of your view so much as it should be to really understand how your spouse feels
about these issues. If you can both listen and understand where the other is coming from
on each issue, it will be much easier to eventually reach agreement on a shared vision.
With a clear, shared vision in place, you’ll want to create specific long-term goals for
realizing the vision.

Buying a home will require a down payment, helping the kids with
their college expenses will require college savings, retirement, too. As you look at the big
picture, start developing the specific, actionable and measureable goals that will allow
you to realize your vision. Then comes the hardest part. You’ve got to develop the short
term action plan—the budget—that will allow you to achieve those goals and realize your
vision.

By
Devin D. Thorpe

Great write-up

abeegii.. After all dis long conference meeting,marriage wey go spoil go still spoil...........




anyways... Good write up Op.
Lalasticlala abeg coman help some people to get the message.
Fp pleaseeeeeeeeeee.

Krystalzkris:
abeegii.. After all dis long conference meeting,marriage wey go spoil go still spoil...........




anyways... Good write up Op.
Lalasticlala abeg coman help some people to get the message.
Fp pleaseeeeeeeeeee.

Discussing extensively can save a person from stories that touch

Noted...for future purposes

The only discussion I need dwells on Loyalty, Trustworthiness and Love.
Meanwhile, you've made very great points, but marriage wey go spoil go spoil.

Okay

Mohjyh:
Discussing extensively can save a person from stories that touch

Only for a while sha...

@OP,God will continue to charge your brain with follow come original charger and not universal charger...

Great Starting 9 line-up

When 'rrretards' get married, no amount of discussion can help!