When entering a serious relationship, it's crucial to have open and honest conversations about money. One factor to consider is your financial goals and values. Discuss whether you prioritize saving, investing, or enjoying the present. Another factor is your spending habits. Are you a big spender or more frugal? Understanding each other's approach to money can help avoid future disagreements. Additionally, take the time to talk about debts and credit scores. Transparency is key to building trust. Lastly, consider how you will handle joint expenses. Will you split everything evenly or contribute proportionally? Finding a system that works for both of you is essential for a healthy financial partnership. Communication and understanding are vital in money talks.