You and your S.O. have聽gotten over the moon-eyed honeymoon phase聽and you鈥檝e started talking about the two big M鈥檚: moving in together and getting married. Totally exciting and totally terrifying. The next new phases of your relationship definitely demand you put all-cards-on-the-table,聽with both of you opening up about聽parenting styles, aging parents and, of course, money. The sticky subject has long been cited as one of the leading causes of divorce (even though millennial divorce rates聽are down), in part because couples聽weren鈥檛 upfront about their financial habits. It鈥檚 an uncomfortable subject, but it鈥檚 also聽so necessary you make sure your聽boo has healthy money habits before you move ahead. That鈥檚 why we鈥檝e asked聽Dara Luber, senior manager of investment products and retirement at TD Ameritrade, to share five signs that you鈥檙e with a financial keeper.

money2

1. They鈥檙e ambitious. Dara聽suggests to reframe any expectations about living the luxe life. Instead of asking yourself 鈥淚s this person rich?鈥 ask 鈥淚s this person ambitious?鈥澛爐o make a聽long-term assessment of their financial future. She says that 鈥淧eople who are fueled by ambition to work hard are likely to come out on top and make their dreams a reality.鈥 Sounds like a winner already.

2. They鈥檙e financially independent. While there鈥檚 nothing wrong with receiving financial support from family members as an adult, 鈥淵ou deserve a grown-up partner who takes finances into his or her own hands,鈥 Dara says. If you鈥檙e thinking about settling down with someone, you鈥檒l no doubt want to keep your finances private 鈥 not shared with their parents!

3. They鈥檙e communicative. You want someone who is willing to have those awkward money conversations with you 鈥 and someone who is honest with their own financial past. Having credit card debt isn鈥檛 a deal breaker, but it鈥檚 definitely a red flag if your S.O. keeps cagey about their financial affairs. Similarly, 鈥淵ou鈥檝e found a keeper if he or she avoids passing judgement on your own financial situation,鈥 says Dara.

money

4. They鈥檙e organized. 鈥淎 partner with clear goals is more likely to stay on track financially and is mastering delayed gratification 鈥 a key to financial success,鈥 Dara explains. So if your love has been saving for a house, slaying their student loans or is set to retire early, you may have reached soulmate status.

5. They鈥檙e honest. 鈥淔inancial infidelity can be as damaging to a relationship as a romantic betrayal,鈥 warns Dara. She says to make sure they鈥檙e not inflating their worth or hiding major purchases. Additionally, you want to make sure they鈥檙e on board with how you spend your own money, so that you鈥檙e not keen to hide anything either (ahem, those designer shoes you couldn鈥檛 pass up).

Have you and your S.O. had the money talk? Tweet us @BritandCo and tell us how it went. For more info and adorable advice about money, check out TD Ameritrade鈥檚聽Age of Wisdom Videos!

(Photos via Getty)