Emmah Susan’s Post

Check out my 5 questions that I recommend you ask your partner, BEFORE you get married!

⚠️ Here are some eye-opening statistics: According to a recent study by Western & Southern Financial Group, 1 in 3 couples say they waited until after marriage to discuss important financial topics like spending habits and debt + over 60% waited until they were engaged to talk about it. Many couples tend to delay these conversations, and jumping into marriage without a foundation of financial compatibility can be a recipe for disaster. If talking about money was awkward or uncomfortable for your family growing up—or it was a taboo topic altogether—it's time to break that pattern. Setting aside time in your relationship to discuss money is a sign of self-respect, honesty, and deep care towards your partner. Don't know where to start? We've created a simple list of ways to improve your money talks and get financially aligned as a couple: https://lnkd.in/edt2Qtkk _____ The information in this post is provided for general informational and educational purposes only and does not serve as the receipt of, or as a substitute for, personalized investment advice from Opal Wealth Advisors. Please see additional disclosure information at https://lnkd.in/gNwHQe4Q.

When you get married, you’re trusting that you know all you need to know about each other and are willing to work out the bumps along the way. But have you had some frank financial conversations before tying the knot? Do you know if your partner has any debt and vice versa? What about joint bills? Joint investments? Full financial transparency? As you start your “happily ever after,” here are 4 things to discuss to make the financial part of marriage a bit easier: #marriagefinances #financialplanning

Financial red flags that can turn your happily-ever-after into a financial rollercoaster. 1. Silent Money Talks: If he’s avoiding the budget convo now, beware. Lack of financial communication in the beginning will lead to money chaos in your future marriage. Let's talk, share, and plan together. 2. Secret Money Moves: Secret transactions? Not OK. If he's playing financial hide-and-seek now, that's a red flag. Those secrets can evolve into financial betrayal. Trust, but always verify. 3. Financial Unequal Partnerships: If you're carrying the financial load alone, that's not fair. This will lead to resentment in the future and a lopsided financial situation in marriage. Keep it balanced. 4. Credit Score Secrets: Credit scores aren't locker room secrets. If he's hiding his financial past, it's not just a red flag – it could lead to potential financial turbulence ahead. Open the book on credit scores early. 5. Overspending and Underearning Drama: Mismatched money vibes? If he's living large on a small income, it may not be just a phase. That's a recipe for financial stress that could haunt your marriage. It’s important to align your money energies. Don’t forget – financial independence is key. A man is not a plan, but being financially savvy is. #womeninspiringwomen #womensupportingwomen #womenandwealth #smartmoneystrategist

Money issues are a common source of tension in relationships but understanding each other’s financial personalities can turn conflicts into opportunities for growth.  Here’s how creating financial harmony with your partner can lower your cost of living and elevate your lifestyle. Here’s the fourth of 07 simple ways to lower your cost of living and elevate your lifestyle. 𝟎𝟒. 𝐂𝐫𝐞𝐚𝐭𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐇𝐚𝐫𝐦𝐨𝐧𝐲 𝐖𝐢𝐭𝐡 𝐘𝐨𝐮𝐫 𝐏𝐚𝐫𝐭𝐧𝐞𝐫 𝐖𝐡𝐲 𝐢𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬: • 𝐑𝐞𝐝𝐮𝐜𝐞𝐝 𝐀𝐫𝐠𝐮𝐦𝐞𝐧𝐭𝐬: Financial disagreements are a major predictor of divorce. Understanding each other’s money personalities can help reduce conflicts and strengthen your relationship, much like braiding two strings together for added strength. • 𝐀𝐥𝐢𝐠𝐧𝐞𝐝 𝐆𝐨𝐚𝐥𝐬: Couples with shared financial values save more and spend less impulsively. When you both understand each other’s financial habits, you can align your goals and behaviors more effectively. • 𝐁𝐞𝐭𝐭𝐞𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬: Joint decision-making on investments leads to more economical choices. Couples who collaborate on financial decisions make choices that better reflect their shared limits and goals. • 𝐎𝐩𝐭𝐢𝐦𝐢𝐬𝐞𝐝 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠: Knowing each other’s financial habits helps you optimize your budget, reducing unnecessary spending and enhancing your lifestyle with better resource allocation. 💡 Ready to improve your financial relationship? What’s one financial habit you and your partner agree on? Share it with me in the comments below.

Those who have lived as a couple can confirm that finances are often a complex topic to address. 🤯 These are some recommendations for those who want to make their finances compatible. This technique is recommended for couples who have significant income differences. However, there are many ways to manage finances as a couple. If one works for you and your partner and meets the legal requirements, then it is the right one for your marriage. 💸 💚 The couple is an excellent ally in achieving financial stability and generating wealth and abundance, so we suggest discussing finances, planning, educating yourself, and thus strengthening the relationship in the process. #CoupleFinances #PersonalFinances #FinancialScorecard #FinanceTip

Here's A Few money Tips For Newlyweds Money yips" for newlyweds refer to the anxiety or hesitation couples may experience when discussing finances early in marriage. This can stem from differing financial habits, fears about debt, or uncertainty about joint vs. individual spending. Navigating these conversations openly and establishing mutual goals can help couples build trust and reduce tension around money matters. It’s essential to address concerns early to ensure financial harmony in the long run. https://lnkd.in/ghHdAwAX

Money issues are a common source of tension in relationships but understanding each other’s financial personalities can turn conflicts into opportunities for growth.  Here’s how creating financial harmony with your partner can lower your cost of living and elevate your lifestyle. Here’s the fourth of 07 simple ways to lower your cost of living and elevate your lifestyle. 𝟎𝟒. 𝐂𝐫𝐞𝐚𝐭𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐇𝐚𝐫𝐦𝐨𝐧𝐲 𝐖𝐢𝐭𝐡 𝐘𝐨𝐮𝐫 𝐏𝐚𝐫𝐭𝐧𝐞𝐫 𝐖𝐡𝐲 𝐢𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬: • 𝐑𝐞𝐝𝐮𝐜𝐞𝐝 𝐀𝐫𝐠𝐮𝐦𝐞𝐧𝐭𝐬: Financial disagreements are a major predictor of divorce. Understanding each other’s money personalities can help reduce conflicts and strengthen your relationship, much like braiding two strings together for added strength. • 𝐀𝐥𝐢𝐠𝐧𝐞𝐝 𝐆𝐨𝐚𝐥𝐬: Couples with shared financial values save more and spend less impulsively. When you both understand each other’s financial habits, you can align your goals and behaviors more effectively. • 𝐁𝐞𝐭𝐭𝐞𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬: Joint decision-making on investments leads to more economical choices. Couples who collaborate on financial decisions make choices that better reflect their shared limits and goals. • 𝐎𝐩𝐭𝐢𝐦𝐢𝐬𝐞𝐝 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠: Knowing each other’s financial habits helps you optimize your budget, reducing unnecessary spending and enhancing your lifestyle with better resource allocation. 💡 Ready to improve your financial relationship? What’s one financial habit you and your partner agree on? Share it with me in the comments below.

you experience a big life event... marriage, kids, inheritance, the sale of a business, stock options your financial situation is becoming more complex .... as you grow your wealth , the stakes tend to get higher because you have more to lose you don't have time or inclination.... managing your finances can be hard if you don’t know what you’re doing or have other stuff going on in your life that requires your full attention. you are worried about key person risk ..... having a team that can support your family is a form of insurance for your dependents. you are faced with a big financial decision . . . Whether you want to make sense of what you’ve been doing/not doing, or the cost of making a mistake with your family’s wealth has become too considerable, or you no longer want to do it alone, it could be time to offload this responsibility to a professional. >>Whereas engaging a financial advisor is not a sign of weakness but an aspiration to do better going forward. >>Financial advisors are not created equal, but when you find the right one, I doubt you’ll look back. #dobetter #lifegoals #problemsolving #solutions #trust #fiduciary #growtogether

Marriage isn’t just the union of two lives, but also of two financial journeys. Open conversations about money lay the foundation for a secure, shared future. From setting goals to handling surprises, being aligned financially is as crucial as emotional compatibility. This article dives into why coming together on money matters is essential for building lasting wealth and harmony. Read more to ensure your financial future is as strong as your relationship - https://lnkd.in/dE2VhmVG moneycontrol.com Suresh Sadagopan Abhinav Kaul  #FinancialPartners #CouplesAndMoney #BuildingTogether #SmartMoneyMoves