Talking about money can be weird. Most people are told from an early age that it鈥檚 a taboo subject, but when it comes to your relationship with your boo, it鈥檚 actually *super* important to discuss. If things are getting serious between you and your S.O. 鈥 especially if you鈥檙e moving in together 鈥 chances are the big dollars-and-cents convo is in your very near future. While finances might seem like an unnecessary detail to some, it鈥檚 actually super important to share your financial views and situation before you make any major commitments as a couple (like getting a pet together). Who knew finding your financial soulmate was so crucial? We chatted with Jean Chatzky, personal finance expert and host of the podcast HerMoney, to get her tips for ensuring the money talk goes smoothly.

couple talking computer

WHY TALKING ABOUT MONEY IS SO IMPORTANT

Communication is a key factor in any relationship (some say it鈥檚 the most critical thing), so it鈥檚 essential for both people to be completely open and honest about their financial situations from the start. Jean notes that this truthfulness could cut down on temptation to commit 鈥渇inancial infidelity鈥 later on, like keeping a bank account or credit card secret from a partner. 鈥淚t鈥檚 also about being fair to the other person,鈥 she says. 鈥淚f you have extensive debt, a relatively low credit score or another money issue worrying you, it鈥檚 better to start working together on finding a solution ASAP rather than waiting for the other person to find out sometime down the line.鈥

Potential negatives aren鈥檛 the only thing you should be focusing on, though. 鈥淢oney means different things to different people. It can be a source of safety and security, but it can also be a way to meet your goals,鈥 says Jean. Milestones, like buying a house, traveling and investing in your future together, are all possible if you鈥檙e straightforward about money from the start. By being an open book, you and your boo can reach a whole new level of trust and security with each other just by having the convo at the right time.

Two young women relaxing at home enjoying free time

WHEN TO HAVE THE MONEY CHAT

Jean recommends having frank discussions as soon as the relationship starts feeling serious. At first, it doesn鈥檛 have to be super formal, but it鈥檚 important to gather and share small tidbits about each other鈥檚 financial lives before things progress toward long-term commitment. 鈥淎 person鈥檚 financial picture and past is a big part of his or her life, so it should naturally come up in conversation over time,鈥 she notes.

Significant questions you should be able to answer are: 鈥淗ow did your significant other鈥檚 parents view finances? Was their choice of college based on financial aid and scholarships? Do you see them budgeting or talking about savings now?鈥 Jean also recommends a more official sit-down talk before moving in together, and then checking in with each other on a monthly basis to keep the collaborative vibe going.

HOW TO BRING UP FINANCES

The best way to broach the money conversation is to simply dive in. 鈥淚t鈥檚 like ripping off a Band-Aid,鈥 says Jean. 鈥淚t seems much scarier before you actually start.鈥 Make a date to have the talk at a time that鈥檚 convenient for both of you so it鈥檚 not a surprise, and plan for a time you鈥檒l both be relaxed. The most important things are to be totally honest and non-judgmental.

Have you and your S.O. talked money yet? Tell us about it @BritandCo!

(Photos via Getty)