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Create a Financial Plan

Financial compatibility is important. Create a plan that works for both of you and supports your shared goals.

  • 7 min read

Here’s how to create a plan that works for both of you.

Open the Lines of Communication

Begin with an honest conversation about money. Discuss your financial backgrounds, goals, and attitudes. This establishes trust and helps you understand each other's financial habits.

Key Questions:

  • What are our financial goals?
  • How do we handle debt and savings?
  • What is our budget?
  • How will we manage joint and individual expenses?

Set Shared Financial Goals

Define specific, measurable, achievable, relevant goals, such as saving for a home, planning for retirement, or paying off debt.


  • Save €20,000 for a house down payment in three years.
  • Pay off €2,000 in credit card debt in two years.
  • Build an emergency fund within one year
  • Set aside funds for vacations and adventures to create lasting memories together
  • Prepare financially for starting or expanding your family, including healthcare and childcare costs    
  • Contribute to retirement accounts and investments to secure your financial future.

Create a Budget Together

Track your expenses, categorize them, and allocate funds to ensure your spending aligns with your goals. Regularly review and adjust your budget.


  • List all income sources.
  • Track expenses for a month.
  • Categorize expenses.
  • Allocate funds based on income and goals.
  • Adjust as needed.

Establish an Emergency Fund

Build an emergency fund to cover three to six months of living expenses for financial stability during unexpected events.

Manage Debt Wisely

Create a strategy to pay off debt, prioritizing high-interest debts. Consider consolidating or refinancing for better rates.

Financial compatibility is crucial for a successful relationship

Creating a financial plan that works for both of you is key to a secure and prosperous future. Communicate openly, set shared goals, budget, manage debt, invest wisely, plan for retirement, and protect your future. Regularly review your plan to ensure financial harmony. Start today to build a financially stable and fulfilling life together.

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