How do I know if my partner and I are financially on the same page?

When it comes to relationships, few things shape your future as much as money.

- John Cachia

Yet many couples who communicate well still find themselves financially out of sync. They may agree on values but differ on priorities, spending habits or long-term goals.

Being financially aligned is not about agreeing on everything. It is about creating a shared plan that reflects your values, supports your lifestyle and gives both partners confidence about where their money is going.

Define shared goals

Take James and Rebecca, both in their early 40s with two children in primary school. James wanted to save aggressively and pay off the mortgage early. Rebecca felt they should enjoy life more now that their income had grown. Every few months they found themselves having the same argument: "Should we spend or save?"