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Money isn’t everything in a relationship, but it plays a critical role in building a stable future together. Financial red flags are often overlooked until they create serious problems down the line. Recognizing these signs early can save you frustration, heartbreak, and a lot of financial headaches. Here are 13 warning signs to stay alert for when it comes to your significant other’s money habits.

Excessive Debt With No Plan To Pay it Off

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It’s one thing to have some debt—credit cards, student loans, or a car payment—but it’s another to carry excessive balances with no end in sight. If they’re only making minimum payments on everything, that’s a sign they might be financially stuck.

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Debt freedom should be a shared goal in any relationship. If they don’t seem interested in becoming debt free and only talk in terms of “later,” it could spell trouble.

No Savings, Neither Emergency nor Otherwise

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An emergency fund isn’t just helpful—it’s essential. Not having savings signals poor planning for life’s curveballs, whether it’s car repairs or job loss. If they’re living paycheck to paycheck and brushing off the idea of saving money, that’s a problem.

Long-term plans, like retirement or even a vacation, seem impossible without saving money habits. Watch for patterns like overspending instead of setting money aside for the future.

Unstable Employment History

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Job hopping—or worse, long periods without a job—raises questions about stability. Someone facing a messy employment history might not be able to contribute to financial goals like buying a house or maintaining a monthly budget.

Ask yourself: can you build a life with someone who isn’t clear on how to make money on a consistent basis? Employment instability creates shaky foundations in any partnership.

Living Beyond Their Means

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Look closely at whether your partner consistently spends more than they earn. Flashy new cars, constant shopping, or high-end vacations can be tempting distractions from the reality of overspending.

When there’s no focus on living frugally, big expenses pile up quickly—leaving behind unnecessary debt. If their lifestyle doesn’t match their paycheck, you’ll likely end up bearing the financial strain in one way or another.

Disregard for Budgeting

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Not everyone knows how to budget right away, but if your partner disregards it entirely, that’s a huge problem. Living on a budget is simple: track what you spend versus what you earn. Ignoring this basic step usually indicates carelessness or a lack of interest in financial management. Together, managing a monthly budget is how you create a budget for shared goals and keep things on track.

Poor Credit Score

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A credit score is basically a report card for financial behavior. If they’re dodging the topic, it’s likely because their score isn’t great. It takes time and commitment to rebuild credit, but ignoring the issue won’t help. A low score limits future opportunities like buying a home, leasing a car, or even qualifying for lower interest rates.

Financial Secrets or Dishonesty

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If your partner’s hiding money troubles or keeping assets a mystery, consider it a major red flag. Financial infidelity—like hidden debt or secret credit cards—can destroy trust. Healthy relationships thrive on open communication, and money topics shouldn’t be off-limits. If they can’t be transparent now, what happens when bigger issues come up?

Frequent Financial Crises

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Everyone faces tough times, but someone who constantly finds themselves in over their head with money might lack financial discipline. Whether it’s late bills, overdrawn accounts, or a lack of resources in emergencies, recurring issues are a red flag. Long-term financial stability requires planning and discipline, not a cycle of last-minute scrambling.

Impulsive Spending Habits

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Is your partner always making impulse buys? Things like late-night shopping sprees or unplanned vacations, spontaneous splurges often reveal poor self-control with money. Impulsive spending wrecks efforts to save money or stick to a budget. It’s also tough to create shared goals with someone who’s unpredictable about finances.

No Plan for Retirement Savings

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Ask your partner what their retirement savings plan looks like. If they have no idea or no plan at all, it’s worth questioning. Building toward financial freedom in the long term requires saving steadily for retirement—but skipping this step means potential hardship later. The earlier you plan for retirement, the bigger the payoff down the road.

Over-Reliance on Credit Cards

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Credit cards should be used wisely, not to fund an unsustainable lifestyle. If your partner relies heavily on credit to get through everyday expenses, it’s time for some serious conversations. Unchecked reliance on borrowed money can easily snowball and affect your future plans. A mindset geared toward saving money or living frugally is far healthier in the long run.

Reluctance To Discuss Money

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If your partner avoids conversations about money altogether, that’s a bad sign. Financial topics—how to budget, paying off debt, saving money—can’t be ignored in a serious relationship. Open communication about finances builds trust, helps you grow together, and prevents future disputes. Fear or discomfort in discussing money signals deeper issues you don’t want to face alone.

No Financial Goals or Vision

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Living for today without a plan for tomorrow might seem okay in the moment, but it catches up. Financial goals—whether it’s owning a home, traveling, or becoming debt free—keep you both focused. A lack of vision usually means drifting into unnecessary money woes. Couples who prioritize shared goals experience fewer setbacks and foster a more meaningful connection.

Building a Healthier Financial Future Together

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Spotting these financial red flags early on can make or break your relationship. When you align financially, you’re not just saving money or creating a budget, but building a partnership where trust and transparency lead the way.

Pay close attention to your partner’s habits and discuss them before they turn into problems. A strong future starts with clear communication and commitment to mutual growth.

10 Warning Signs Your Partner Is Using Money as Power

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Relationships are strongest when built on trust, respect, and open communication. However, financial control can quietly erode these foundations. Below is a deeper dive into indicators that could point to money being used for manipulation in your relationship. 10 Warning Signs Your Partner Is Using Money as Power

Budgeting as a Couple – How to Get Your Spouse on Board

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Are you ready to start budgeting or beginning your own financial journey, but your spouse or your partner is not on board? It can be difficult to get your partner on the same page, financially…but with some love and patience, it is possible. Let’s dive into seven tips for budgeting as a couple so that you can both get on the same financial page with ease. Budgeting as a Couple – How to Get Your Spouse on Board