Even though communication, or lack of, is one of the biggest culprits for divorce; finances/money have to be in the top 105. When someone has been taking care of themselves and budgeting for themselves for a period of time, it sometimes can be difficult when one becomes two and that has to be one. You can no longer make financial decisions for yourself. Everything has to be a team efforts or the finances are bound to suffer. Everyone is not good at money management and this is rarely one of the conversations one has while dating. This can especially become hard when children are involved. Children, though they bring unspeakable joy, do not come check. Know a budget that became effective for two must be fully effective for three or more. Very few people are happy/pleasant people when they are broke. This is where teamwork and communication as to play a part. Many times when money becomes an issues arguments ensue. Arguments, without the proper techniques could easily lead to communication breakdowns. Ultimately as we all know a lack of communication in any relationship can lead to its demise. It is important that finances become a part of the dating conversation as well as in the marriage. We live in a world where everything is so fast aced it is easy to get yourself into a financial bind. You don’t want to end up with the perfect mate…who is in bankruptcy. We leave in a world where social security is about depleted and currency value has decreased. It is very important to stay on top0 of credit scores and finances. Coupes should help each other and balance each other in all aspects of the relationship…this includes finances.