It’s never too early to talk money with your honey. Financial intimacy is key to a healthy and happy relationship, whether you’re simply heading out of town together for the weekend, or you’re settling down to buy a house and start a family. Yet most of us are more comfortable bringing someone home than we are telling them how much rent we pay to live there in the first place. We’d rather bare our bodies than our bank accounts. That doesn’t mean you have to exchange credit scores on the first date. Almost 90% of people have discussed finances with a partner in the past, and agree it’s a conversation that must be had. But the problem is figuring out how to start having “the talk” in the first place. So try using relationship milestones such as taking your first trip, moving in together or getting engaged as a timeline to share what you make, what you spend and what you owe, so that you’re both on the same page. What to do if one of you has bad credit? One partner’s low credit score doesn’t directly damage the other person’s score. But when you apply for joint loan applications or mortgages as a couple, you could be denied, or get slapped with higher interest rates. This is why I suggest you first find out why their credit score is low. Is it because the person hasn’t built up much credit yet? Or is this a sign of skeletons in the closet like paying bills or taxes late, defaulting on loans, or overspending? This is definitely the time to have a heart-to-heart conversation about your financial situation. This also builds trust in a relationship and you avoid a possible divorce in the future as we all know that this is a reason a lot of people get divorced etc. so make sure you and your love are on the same page.