Quiz: Are You Financially Compatible as a Couple?


When it comes to relationship, most people would agree that chemistry and physical attraction are not the only factors that keep it going. However, more likely than not, people tend to overlook the financial compatibility. A study titled “Bank on it: Thrifty Couples are the Happiest” released in 2009 said that money-related problems are among the three main reasons for divorce beside drug abuse and infidelity.

If you’re thinking of going steady with someone, try answer these questions by choosing one that best describes your relationship to find out how compatible you are with your partner on matters of money.

1. How often do you talk about money with your partner?
A. Only when it’s about paying the dinner. We don’t feel comfortable talking about money
B. Sometimes we discuss it when we’re planning for our vacation
C. We encourage each other to save and invest our money for the future

2. At the end of month…
A. I have to hold myself from eating in a restaurant or pay for two because my partner is usually short of money
B. My partner often runs out of phone credit 
C. My partner's finances are totally fine, because he or she is used to managing money

3. When you two are dining out in a fine restaurant…
A. I have to quietly add the tip for the waiter
B. Sometimes I feel uncomfortable after seeing the prices on the menu
C. It’s probably for a special occasion and we already know our budget

4. How much do you know about your partner’s investment?
A. I keep encouraging my partner to buy a property, but he would rather renew his car or she would rather buy designer bags
B. I know that he or she is saving some gold
C. My partner often shares his or her optimism or concern on the stocks he or she owns

5. How do you see your partner’s financials five years from now?
A. He or she will be making more money, but also maintaining higher lifestyle
B. In five years, we will be talking more about managing money together
C. Our passive income will increase and we can definitely support each other  

6. When you buy an expensive item, e.g. a new iPhone 5, for yourself…
A. I will tell my partner that it’s a door prize from an event
B. He will not support or prevent me from making the purchase
C. My partner will help me sell my old smartphone on the internet

7. When you buy an expensive gift for your partner…
A. I usually compare the price with the gift he or she bought me before
B. I need to make sure the item can be exchanged, in case he or she already has it
C. He or she will appreciate the thought, not the monetary value

8. When he or she buys an expensive gift for you…
A. It makes me feel a bit “guilty” because I know that he or she can’t afford it
B. He or she will not tell me where or how he or she got it
C. It will be a nice surprise and surely will be useful for me

9. What do you think about your partner’s family?
A. They are quite clingy compared to my independent family 
B. The siblings are fine, although I have never met his or her parents
C. They carry similar values like mine

10. What is your partner's money-related habit that annoys you the most?
A. How my partner can lie about a purchase or a big investment decision
B. How he or she often forgets to pay the bills
C. There’s nothing that we can’t talk about and solve together

Scoring: Count how many of each letter you have chosen!

A: ____
B: ____
C: ____

The letter with the largest number reveals your compatibility with your partner.

It was probably love at the first sight or your partner is your first love because you have to compromise a lot to keep this relationship. You and your partner are becoming liars and cheaters when it comes to money. After a while, the dishonesty and discomfort would easily spread to other things besides money. You can try to resolve your differences through communication, but if that doesn’t work you can make a decision to live with the problem or break it off.

It’s still too soon to make a conclusion that he or she is your “soulmate”. You still have to learn a lot about each other. It takes time and effort to reach the financial intimacy that you are looking for, so start opening up yourself more, e.g. expressing your concerns about his or her financial habits that you don’t understand. Discuss it in a casual manner when you both are in happy mood, so that it doesn’t become intimidating.

Congratulations! It seems that you two are ready to build a life together, or at least feel comfortable in involving one another in big decision making. Now that you already know what to expect from your partner, you can start planning the future together. You can focus on getting familiar with your partner's family and friends and further develop the emotional bond between the two of you.

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