Are You An Average Couple When It Comes To Money?

Are You An Average Couple When It Comes To Money?

Are You An Average Couple When It Comes To Money?

I recently got lost in the internet rabbit hole that is Pinterest and stumbled upon a quiz posted by Dink’s Finance to determine if you are similar to average couples when it comes to money. So naturally, I had to take the quiz and thought I would share my results.

1. Would you discuss money on the first date?

I wouldn’t discuss it on the first date, but I would be on the lookout for red flags. However, I would be open to discussing it if they brought it up first, I have nothing to hide. Maybe it is because I am very proud of my financial situation. More than likely, it’s because I tend to over share.

2. How long should you wait to talk about money with your spouse?

You should definitely be discussing money with them before they are officially your spouse. I would say once you start to feel comfortable sharing and if you see potential in the relationship, whether it be three weeks or three years into the relationship. Everyone moves at a different pace, just make sure you do have that discussion.

3. Who always brings up money in your relationship?

I don’t even know who brings it up more at this point. We both have a passion for saving money and are always on the lookout for new opportunities for income. I am pretty sure it is something we talk about daily. Luckily, it rarely leads to arguments and even then, they tend to be resolved quickly.

4. Is it harder to manage your money as a couple than it was when you were single?

No, I would say its easier as a couple. There are more streams of income since there are two of us and we each have our own emergency funds we have been able to help each other out with unexpected expenses. Of course, we won’t always agree on everything, but we are both rational people and open to suggestions and willing to compromise.

5. Would you offer to pay off your spouse’s debt?

I would say that it depends on the type of debt. He owned a house when we started dating, so when I moved in I offered to pay “my share” of the monthly mortgage payment. I recently came into some windfall money and that is being applied to his student debt although I usually don’t contribute to it. We are a team and it is best for us as a whole for his student loans to be paid as soon as possible. I would not put his debt ahead of my own, but my student loans are paid off. I don’t think I would be as understanding with consumer debt.

6. Is debt a deal breaker?

No, it is not a deal breaker as long as they have it under control. I knew when I started dating Mr. LLB that he went to 5 years at a private university and tuition at that school is crazy high. Although he may not have had tons of extra money, I knew he was making the payments without my help. Existing debt is not a deal breaker but chronic debt with no intention of reducing it would be. Also, spending habits that lead to debt would be a major cause for concern since that can lead you back dow the slippery slope of debt.

7. Do you think it’s important have the same money views?

I think it is important, but if the two of you can agree to disagree and manage your money separately or work out a plan that you can agree on for shared expenses, I wouldn’t say that it would be a deal breaker. It would be tricky, but as long as you are open to compromise and can communicate effectively and fairly, I’m sure you could find a solution.

8. Can you really change how your spouse spends money?

I think that would depend on your spouse, but I wouldn’t count on it. I would say that Mr. LLB’s outlook on money has changed (slightly) since we got married and he is more focused on paying down debt and is more critical of new purchases and whether or not he needs to buy something. If you are concerned about your spouse’s spending habits, I wouldn’t rely on them changing but it may be worth having a conversation about your concerns.


If you want to see how my (or your) answers stack up to the average couple, check out the original post here.

Are You An Average Couple When It Comes To Money?

How did your answers match up to mine? Or to the average? Were there any that were surprising?

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Author: PaigeM

My name is Paige and I'm a twenty-something wife with two adorable fur-children. I love anything to do with travel or making my house pretty while saving money. My guiltiest of pleasures are pop-culture and reality TV.

6 thoughts on “Are You An Average Couple When It Comes To Money?”

  1. Oeh a debt could be really different. I have to say that in The NL it’s not normal to rent a car for privat use or lean money. It’s a little bit a no go and I have to be honest that I’m happy that I grew up like that. I don’t know if this would be a deal breaker for me.
    Kim recently posted…5 minimize travel tips for entrepeneursMy Profile

    1. As long as you know your deal breakers and communicate them effectively, you should be fine. I think everyone has different deal breakers based on their background and thats ok.

  2. I think the biggest question is this: should you combine finances or not? I think if you do decide to combine your finances I think paying off your spouse’s debt is a no-brainer. Even if you don’t combine I think it would feel weird or off to not both be contributing towards each other’s debt. When you get married you really need to both be “all in,” and that means from a money perspective as well.
    DC @ Young Adult Money recently posted…10 Habits to Develop to Get Out of DebtMy Profile

    1. I think I would feel weird if I had my spouse paying off my debt, I’m not sure I would be upset though since it would be getting paid. I’m surprised there wasn’t a question about combining finances given that there are so many ways to do that and each couple does things in their own way. I definitely like the “all in” mentality, up until very recently we had never given each other money towards our own debts but rather one of us planned to pay for certain things so the other could focus more money towards debt. If it weren’t for that, I’m not sure I would have paid off my student loans when I did.

  3. My boyfriend and I have had quite a few discussions about finances. I jokingly have told him that his student loans are a dealbreaker. When we are married, I could see us pooling finances which would be I would contribute to his debt as well.

    I think having open and honest communication is most important!

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