# 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.

- Topic: Personal Life & Wellbeing
- Framework: Few-Shot
- Level: Standard
- Tags: Finance, Plan, Fill-in Template
- Source: https://www.thinkwithprompt.com/prompts/talk-with-my-partner-about-money-and-combining-finances

## Prompt

```text
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.
```

## 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"

Free to copy and use. From ThinkWithPrompt (https://www.thinkwithprompt.com/), a library of 2,663 curated AI prompts.