An important thing for premarital couples to talk about in terms of money is whether they will combine their money after marriage or keep it separate. After seeing couples for over 20 years for pre-engagement, premarital, marriage and post-divorce counseling, I find that unless there are extenuating circumstances, couples who don't "marry," i.e., combine, their money lack a feeling of "being married."
Also, if you don't trust your mate with your money, is it wise to marry that person? Money, sex, and children are the top 3 things couples argue about. Do you trust the person you're marrying with your money, your body and your future children?
And if the couple live in a community property sate like Texas, where I practice, and they divorce without having a prenup, the money will be split 50/50 in most cases. So, keeping it set aside in two different accounts doesn't protect their money from their spouse.
In addition, keeping money separate somehow leads people to believe they have more money than they really do. That's like breaking a cookie in several pieces and saying, "Now I have more cookie."
If money is an issue with you and your future or present spouse, counseling can help. You can reach me at 512-795-0402. I'm located at 4131 Spicewood Springs, M-1, Austin, Texas 78759.
My website is http://www.mariposapsychotherapy.com/
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