Couples without monthly money conversations build up surprises (large unexpected expenses), resentment (one partner feeling burdened), and disconnection from shared financial reality. Monthly 30-minute check-in prevents both.
Format
Same time each month (Sunday afternoon often works). Review last month's spending. Look ahead to next month's planned expenses. Address any concerns. End with one thing each appreciates about how the other handles money.
Most couples avoid these conversations. The ones that have them regularly report fewer money fights and better financial outcomes.