Talk with my partner about money and combining finances
A calm, structured money conversation plan for couples, with questions, options for sharing costs, and a starting agreement.
The prompt
Help me prepare for a money conversation with my partner.
Our stage: [dating / moving in / engaged / married / long-term partners]
What prompted this: [e.g. "moving in together", "arguing about spending", "planning a big purchase", "one of us has debt"]
Our incomes: [similar / quite different - amounts if comfortable]
How we handle money now: [fully separate / some shared costs / fully joint]
What I'm worried about or hoping for: [DETAILS]
Topics that feel sensitive: [e.g. "debt", "family support", "different spending styles"]
Give me:
1. A simple conversation plan: when and how to bring it up, how to open without blame, and how to keep it to about 45 minutes.
2. 10-12 questions for both of us, from easy (money habits growing up, goals) to harder (debts, credit, financial obligations to family).
3. Three common ways couples share costs - fully joint, proportional to income, and "yours, mine, ours" accounts - with pros and cons and an example split using our incomes if I gave them.
4. A short starter agreement to fill in together: shared expenses, how much each of us can spend without checking in, savings goals, and a monthly money check-in.
5. Phrases to use if the conversation gets tense, and a signal to pause and come back later.
Keep it warm, fair to both people, and judgment-free. If money is being used to control or restrict me, say so gently and point me to support resources.
Highlighted [brackets] are blanks to replace with your own details.
Fill in the blanks and use this promptMore Personal Life & Wellbeing prompts
What to fill in
- dating / moving in / engaged / married / long-term partners
- similar / quite different - amounts if comfortable
- fully separate / some shared costs / fully joint
- DETAILS
- e.g. "debt", "family support", "different spending styles"
How this prompt is built
This prompt follows the Few-Shot structure (Few-shot prompting). A few-shot prompt includes one or more worked examples of the input and the output you want, so the model can copy the pattern instead of guessing it.
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