7 Most Common Financial Red Flags in Relationships: How to Spot Warning Signs and Build Money Harmony

Introduction: Why Money Matters More Than You Think

Money conversations may not be romantic, but they’re absolutely essential for relationship success. Research consistently shows that arguments about money are the top predictor for divorce, surpassing disagreements about children, sex, in-laws, or any other topic. Financial conflicts don’t just happen to couples in financial distress—they occur at all income levels, affecting wealthy and struggling couples alike.

The statistics paint a sobering picture: financial problems are cited as a major contributor to divorce by 36.7% of divorced individuals, and financial disagreements predict divorce four to five years later more reliably than any other type of conflict. Perhaps most telling, marital arguments about money are longer and more intense than arguments about other matters, and couples take longer to recover from financial disagreements than from any other kind of conflict.

Understanding financial red flags in relationships isn’t about judgment—it’s about building awareness that can save your partnership from becoming another divorce statistic. This comprehensive guide explores the warning signs that signal potential financial incompatibility, how to identify them early, and most importantly, what you can do to address these issues before they undermine your relationship.

Understanding Financial Red Flags: More Than Just Money Problems

What Are Financial Red Flags?

Financial red flags are warning signs that indicate potential issues with a partner’s money management, financial transparency, values around money, or compatibility with your own financial approach. These aren’t necessarily indicators of character flaws—they’re signals of potential incompatibility or areas requiring serious attention before they escalate into relationship-threatening conflicts.

The key distinction is that financial red flags point to patterns and behaviors, not isolated incidents. Everyone makes occasional financial mistakes or has an unexpected expense. Red flags emerge when concerning behaviors become consistent patterns that reveal deeper issues around money management, honesty, or value alignment.

Why Financial Issues Are Uniquely Damaging

Research reveals that financial conflicts differ from other types of relationship disagreements in several critical ways. Compared to non-money issues, marital conflicts about money are more pervasive, problematic, and recurrent, and remain unresolved despite including more attempts at problem solving.

Several factors explain why money conflicts are particularly destructive:

Emotional intensity: The topic of money can be very emotional and is closely related to self-worth and personal vulnerabilities among partners that may trigger defensiveness. Money represents different things to different people—security, freedom, status, or control—making financial disagreements deeply personal.

Constant presence: Money decisions confront families on a regular basis, either through monthly bills arriving or family members’ multiple financial needs and requests. While couples facing intimacy problems may be able to avoid taking action, such avoidance is less possible when dealing with money matters.

Values conflicts: Disagreements about money often reflect fundamental value differences about priorities, responsibility, and lifestyle choices, making compromise more difficult than with other conflict topics.

Power dynamics: Financial resources often correlate with perceived power in relationships, creating additional tension when financial disagreements arise.

The Long-Term Stakes

The consequences of unaddressed financial red flags extend far beyond arguments. One-third of people who argue with their spouse about money admit to hiding purchases because they know their partner won’t approve, demonstrating how financial conflicts erode trust and transparency. This financial infidelity, much like sexual infidelity, can create rifts that ultimately disintegrate relationships.

Moreover, 86% of couples married five years or less started their marriages in debt—twice the percentage of couples married 25+ years—suggesting that financial challenges have intensified for younger generations and may be contributing to higher divorce rates among this demographic.

7 Most Common Financial Red Flags In Relationships: What to Watch For

1. Lack of Financial Transparency and Secrecy

Financial secrecy represents one of the most serious red flags in any relationship. When a partner consistently avoids discussing their financial situation, conceals debts or spending habits, is evasive about income details, refuses to share credit reports or financial statements, or becomes defensive when money topics arise, these behaviors signal potential trust issues that extend beyond finances.

The foundation of strong marriages and close relationships is trust and respect, and financial infidelity breaches these values just as sexual infidelity does. One study found that one-third of people who argue about money with their spouses admit to hiding purchases, demonstrating how financial secrecy becomes normalized in struggling relationships.

Why it matters: Financial partnerships require transparency. Hidden debts become shared burdens in marriage, and undisclosed financial obligations can derail joint goals like buying a home, having children, or retiring comfortably. Secrecy suggests either shame about financial circumstances or deliberate deception—both problematic foundations for long-term partnership.

What it looks like in practice: Your partner becomes evasive when asked about their bank balance, claims to have “forgotten” to mention a credit card or loan, receives mail they hide or explain away vaguely, has packages arrive that they can’t or won’t explain, or consistently changes the subject when financial discussions begin.

2. Chronic Overspending and Living Beyond Means

Uncontrolled spending habits create financial instability that affects both partners. Red flags include frequent reliance on credit cards without clear repayment plans, consistently spending entire paychecks with no savings buffer, making impulsive purchases without consideration of budget impact, accumulating debt for non-essential items, or regularly experiencing financial crises due to poor planning.

Nearly half of couples with $50,000 or more in consumer debt say money is a top reason for arguments, and 63% of those with this level of debt feel anxious about discussing personal finances. The combination of high debt loads and spending patterns that created them often creates unsustainable stress in relationships.

Why it matters: Overspending patterns rarely improve without intervention and typically worsen over time. A partner who consistently lives beyond their means will expect you to either fund their lifestyle or accept shared financial insecurity. Credit card debt can be a big stressor and point of argument, particularly when one partner is aggressively trying to pay it down while the other continues spending.

What it looks like in practice: Your partner regularly complains about being broke but has expensive hobbies or makes luxury purchases, seems unconcerned about growing credit card balances, treats shopping as emotional therapy or entertainment, has multiple “buy now, pay later” arrangements, or becomes irritated when you suggest budgeting.

3. Fundamentally Different Money Values and Priorities

While some financial differences are normal and healthy, fundamental conflicts in money values create persistent friction. Warning signs include one partner prioritizing saving while the other values immediate spending, vastly different comfort levels with financial risk (one gambles or makes speculative investments while the other is risk-averse), conflicting views on what constitutes necessary versus discretionary spending, or disagreement about major financial goals like homeownership or retirement planning.

Disparate goals and values around money, coupled with the power and control financial prosperity represents, make money a common battleground in marriages. These value conflicts often stem from deeply held beliefs about what money represents, ingrained from upbringing and life experiences.

Why it matters: Value differences about money often prove harder to resolve than behavioral issues. While spending habits can potentially be modified, fundamental beliefs about money’s purpose and priorities often remain stable. When one person believes money means security while another sees it as a means to status or lifestyle enjoyment, finding middle ground becomes extremely challenging.

What it looks like in practice: You want to save for a down payment while your partner wants to upgrade their car, you’re uncomfortable with any debt while they see credit cards as free money, you budget carefully for everything while they believe money should flow freely, or discussions about financial priorities consistently end in frustration because you can’t find common ground.

4. Financial Dependency Without Reciprocal Contribution

Healthy relationships involve equitable contribution, though that contribution need not always be purely financial. Red flags emerge when one partner consistently relies on the other for financial support without making reasonable efforts to contribute through employment, household responsibilities, childcare, or other valuable contributions.

Warning signs include job instability accompanied by minimal effort to improve the situation, refusal to seek employment despite being capable, consistently “borrowing” money without repayment, expecting financial support while refusing to stick to agreed-upon budgets, or generally treating the relationship as a financial safety net rather than a partnership.

Why it matters: Financial imbalance can create resentment and power dynamics that poison relationships. If one spouse is the “breadwinner” and constantly reminds the other spouse of that fact, it can lead to feelings of lost financial control and financial disagreement. Even when one partner earns more, both parties should feel they are on equal footing with a say in finances and household income use.

What it looks like in practice: Your partner frequently asks for money but never discusses repayment, loses jobs regularly due to preventable issues like poor attendance, refuses to apply for positions they’re qualified for due to minor perceived drawbacks, spends money freely on themselves while expecting you to cover shared expenses, or becomes defensive when you discuss the financial imbalance.

5. Debt Without Acknowledgment or Plan

While debt itself isn’t necessarily a red flag—many people carry student loans, car payments, or mortgages—how someone handles debt reveals important information about their financial maturity. Concerning behaviors include having significant debt without knowing exact amounts or interest rates, no apparent repayment strategy beyond minimum payments, continuing to accumulate new debt while carrying existing balances, dismissiveness about debt’s impact, or resistance to discussing debt management.

Research shows that 60% of survey respondents believe the most common way to rack up credit card debt is spending more than you can afford, and there’s often a stigma associated with debt as indicating irresponsibility. However, the red flag isn’t debt’s existence but rather the lack of plan, awareness, or concern about managing it.

Why it matters: Unmanaged debt compounds over time and can derail major life goals. More importantly, a dismissive attitude toward debt suggests poor financial planning that will create ongoing stress. Conversations couples have around debt and finances are just as important as discussions around starting a family, and partners should know if their future spouse is in debt, how it was incurred, and the plan for paying it off.

What it looks like in practice: Your partner can’t tell you their total debt amount, seems surprised by high credit card balances, continues opening new credit lines despite existing debt, makes only minimum payments while spending freely on discretionary items, or becomes irritated when you express concern about their debt trajectory.

6. Financial Irresponsibility and Poor Money Management

Beyond overspending, general financial irresponsibility manifests in various concerning ways: frequently paying bills late despite having funds available, bouncing checks or having insufficient funds, losing track of financial obligations and accounts, lacking basic financial organization, showing no interest in understanding financial matters, or repeatedly experiencing preventable financial emergencies.

Why it matters: These behaviors suggest an inability or unwillingness to handle adult financial responsibilities. If your partner can’t manage their own finances effectively, expecting them to responsibly handle shared finances is unrealistic. Moreover, in many jurisdictions, you may become responsible for your spouse’s debts and financial obligations after marriage.

What it looks like in practice: Your partner receives constant late payment notices, doesn’t know when bills are due, has been to collections for unpaid debts, regularly overdrafts their account, has unopened financial mail accumulating, or seems genuinely confused about basic financial concepts like interest rates or credit scores.

7. Reluctance to Discuss Financial Future

While avoiding money conversations may seem like keeping peace, it actually indicates serious problems. Red flags include refusing to discuss financial goals, avoiding conversations about combining finances or creating shared budgets, getting defensive or shutting down during financial planning discussions, claiming money discussions are “unromantic” or unnecessary, or postponing important financial conversations indefinitely.

Sometimes couples avoid the subject of finances knowing it will lead to an argument, and this can become extremely damaging. Each spouse continues the same behavior, making the problem worse, creating a potential “collision course” that will eventually cause massive problems.

Why it matters: Financial alignment requires communication. Avoiding these discussions doesn’t make differences disappear—it allows them to fester and grow until they become relationship-threatening. Before couples marry, they should know their partner’s debt situation, understand how debt was incurred, and know the repayment plan, as this can impact their financial planning as a couple.

What it looks like in practice: Your partner changes the subject when you try to discuss finances, gets irritated when you suggest creating a budget together, refuses to share information about their financial goals or situation, claims they “don’t like talking about money,” or consistently postpones planned financial discussions.

How to Spot Financial Red Flags Early

Ask Key Questions During Dating and Early Relationship

Rather than waiting until engagement or marriage to discuss money, broach financial topics during the dating phase. Important questions to explore include:

About money management:

• How do you approach budgeting and saving?
• Do you track your spending, or do you tend to just monitor your bank balance?
• What’s your relationship with credit cards?

About financial goals:

• What are your financial goals over the next five years?
• Where do you see yourself financially in ten years?
• What would financial security look like to you?

About money history and habits:

• How do you typically manage unexpected expenses?
• Have you ever had significant financial difficulties? What did you learn from them?
• How were finances handled in your family growing up?

About values and priorities:

• What’s more important to you: experiences or things?
• How do you balance saving for the future with enjoying life now?
• What does money represent to you (security, freedom, status, something else)?

These conversations should feel natural and curious rather than interrogational. You’re not conducting a financial audit—you’re trying to understand your partner’s financial mindset, values, and habits to assess compatibility.

Observe Financial Behaviors in Real Situations

Actions reveal more than words. Pay attention to how your partner actually behaves with money:

In everyday situations:

• Do they tip appropriately and treat service workers respectfully?
• How do they handle splitting bills or taking turns paying?
• Do they seem aware of prices and value, or completely disconnected from costs?

During financial discussions:

• Are they open and forthcoming, or evasive and defensive?
• Do they take financial matters seriously, or dismiss concerns?
• Can they discuss money calmly, or do they become emotional or angry?

With financial responsibilities:

• Do they pay their share of expenses on time?
• How do they respond when unexpected costs arise?
• Do they plan ahead for known expenses, or seem perpetually caught off guard?

In spending patterns:

• Do they make thoughtful purchasing decisions or impulse buys?
• Is there consistency between stated values and actual spending?
• How do they handle situations where they want something but can’t afford it?

Trust Your Instincts About Financial Compatibility

If something feels off about your partner’s financial behavior, trust that instinct rather than dismissing it. Common intuitive warning signs include:

• Feeling uncomfortable or anxious about their spending habits
• Sensing evasiveness when money topics arise
• Worrying about how you’ll manage shared finances
• Feeling judged or controlled around your own financial choices
• Noticing significant differences in financial priorities that cause concern

These gut feelings often reflect subconscious pattern recognition. Your instincts are detecting inconsistencies, warning signs, or incompatibilities that your conscious mind hasn’t fully processed yet.

Addressing Financial Red Flags: Communication Strategies

Initiating Difficult Money Conversations

When you’ve identified financial red flags, addressing them requires thoughtful communication. Approach with empathy, curiosity, and honesty rather than judgment or accusation.

Set the stage appropriately:

• Choose a calm, private time when you’re both relaxed (not during an argument or stressful moment)
• Frame the conversation as collaborative problem-solving rather than confrontation
• Begin with your own financial situation and values before asking about theirs

Use non-threatening language: Instead of: “You’re terrible with money and it’s a huge problem.” Try: “I’ve noticed we might have different approaches to finances, and I’d like to talk about how we can align better.”

Instead of: “Why do you hide your spending from me?” Try: “I’ve felt some disconnect around our financial transparency. Can we talk about building more openness around money?”

Start with common ground:

• Acknowledge shared goals or values
• Express your commitment to the relationship
• Frame financial discussions as investing in your future together

Creating a Framework for Ongoing Financial Dialogue

One productive conversation isn’t enough—healthy relationships require ongoing financial communication:

Establish regular money check-ins: Schedule monthly or quarterly “financial dates” to discuss budgets, goals, progress, and concerns. Making these discussions routine removes stigma and creates predictability.

Develop shared financial language: Agree on definitions and priorities so you’re speaking the same language. What does “emergency fund” mean? How do you define “necessary” versus “discretionary” spending?

Create transparent systems: Use shared budgeting apps, joint accounts for household expenses (while potentially maintaining individual accounts for personal spending), and regular financial reporting to build accountability and trust.

Celebrate financial milestones together: Acknowledge progress like paying off debt, reaching savings goals, or sticking to budgets for extended periods. Positive reinforcement strengthens financial teamwork.

Setting Joint Financial Goals and Boundaries

Collaboration around money requires establishing shared objectives and clear boundaries:

Develop short-term goals (1-2 years):

• Building an emergency fund of 3-6 months’ expenses
• Paying off high-interest credit card debt
• Saving for a specific purchase (vacation, car, furniture)
• Establishing consistent savings habits

Create long-term goals (5+ years):

• Saving for a home down payment
• Planning for children’s education costs
• Retirement savings targets
• Debt elimination timelines

Establish financial boundaries:

• Spending limits before consultation is required
• Agreement on debt accumulation (what’s acceptable, what’s not)
• Division of financial responsibilities
• Expectations around financial transparency and account access
• How joint versus separate finances will be managed

Working toward common goals fosters teamwork and accountability while boundaries prevent boundary violations that breed resentment.

When to Seek Professional Help

Some financial conflicts require professional intervention. Consider consulting a financial advisor, therapist, or financial counselor when:

• Financial discussions consistently escalate into heated arguments
• Trust has been broken through financial infidelity or deception
• You’re making no progress resolving fundamental value differences
• Debt or financial stress is overwhelming one or both partners
• One partner has compulsive spending behaviors or financial addiction
• You need objective expertise to create effective financial plans

Financial advisors can provide impartial guidance on budgeting, debt management, investment strategies, and financial planning, removing emotion from practical decision-making.

Couples therapists or financial therapists can help address underlying emotional issues, communication patterns, and value conflicts that manifest in financial disagreements.

Many professionals now specialize in financial therapy—a hybrid approach addressing both practical financial issues and the psychological and relational aspects of money conflicts.

Building Financial Compatibility: Practical Strategies

Aligning Financial Goals and Values

Even partners with different money personalities can build compatibility through deliberate alignment:

Understand each other’s money history: Discuss how money was handled in your families growing up, early financial experiences that shaped your attitudes, past financial successes and mistakes, and what money represents to each of you emotionally.

Identify shared priorities: Despite differences, most couples share core financial goals like security, comfort, freedom from financial stress, and the ability to support important life goals. Build your financial plan around these shared priorities.

Compromise on differences: One partner may be naturally more risk-averse while the other seeks growth opportunities. Find middle ground—perhaps allocate most funds conservatively while setting aside a small “risk capital” amount for more aggressive investments.

Create a shared financial vision: Ninety-four percent of respondents who say they have a “great” marriage discuss their money dreams with their spouse, compared to only 45% of respondents who say their marriage is “okay” or “in crisis.” Regularly discussing financial dreams and aspirations strengthens relationships.

Establishing Financial Boundaries and Systems

Practical systems and boundaries prevent many financial conflicts:

Decide on account structures:

• Fully combined finances (all income and expenses shared)
• Separate finances (each partner maintains independent accounts)
• Hybrid approach (joint account for shared expenses, separate accounts for personal spending)

Each approach has merits; choose what reduces friction for your specific relationship.

Set spending thresholds: Agree on amounts above which you’ll consult each other before purchasing. For example, purchases under $100 don’t require discussion, but anything over $100 needs mutual agreement.

Divide financial responsibilities: Assign specific money management tasks based on interest and aptitude rather than assumption. Perhaps one partner handles bill payment and day-to-day finances while the other manages investments and long-term planning.

Create financial agreements: For significant decisions like taking on debt, making large purchases, or career changes affecting income, establish clear processes for discussion and mutual consent.

Maintaining Financial Independence Within Partnership

While shared goals matter, retaining some financial independence protects both partners and honors individual autonomy:

Keep personal accounts alongside joint accounts: This allows each partner discretionary spending without justification while maintaining shared resources for joint obligations and goals.

Maintain individual credit profiles: Even with shared accounts, ensure both partners maintain their own credit history and scores. This protects both parties and ensures financial independence in case of relationship dissolution or partner death.

Preserve career and earning capacity: Both partners should maintain their professional skills, networks, and career prospects rather than one partner becoming entirely financially dependent (unless that’s a fully informed, mutual choice with appropriate legal protections).

Respect financial privacy within reason: While major financial matters require transparency, partners can maintain privacy around smaller personal expenditures from personal funds. This balance between transparency and autonomy varies by couple.

Preventing Financial Issues in Relationships

Starting Financial Conversations Early

The best time to address potential financial incompatibility is before marriage—ideally, before engagement. Prior to marriage, couples should know if their partner is in debt, understand how the debt was incurred, and know the repayment plan, as this can impact financial planning as a couple.

Early financial discussions should cover:

• Current financial situations (income, debts, assets, credit scores)
• Financial values and priorities
• Long-term financial goals and dreams
• Attitudes toward debt, saving, and spending
• Family financial obligations or expectations
• Career plans and income trajectories

These conversations don’t need to happen on the first date, but they should absolutely occur before making serious commitments like moving in together or getting engaged.

Creating Financial Transparency and Trust

Trust forms the foundation of healthy financial partnerships. Build transparency through:

Regular financial reporting: Share account balances, spending patterns, debt status, and financial progress consistently rather than hiding financial information.

Honest discussions about financial mistakes: When financial errors occur, disclose them promptly rather than hiding them. Honesty about mistakes builds more trust than concealment that’s eventually discovered.

Joint access to financial information: Consider granting each other access to financial accounts and credit reports. Transparency doesn’t mean you make all decisions jointly, but it means neither partner is hiding financial information.

Acknowledging financial fears and anxieties: Money triggers anxiety for many people. Being vulnerable about financial fears—like worrying about job security or fearing poverty—helps partners support each other rather than judge.

Regular Financial Check-Ins and Adjustments

Financial compatibility requires ongoing maintenance, not one-time achievement:

Monthly budget reviews: Review actual spending against budget, discuss any concerning patterns, and adjust budget categories as needed based on reality rather than maintaining unrealistic budgets that don’t work.

Quarterly goal assessment: Evaluate progress toward short-term goals, celebrate successes, and problem-solve obstacles preventing goal achievement.

Annual financial planning: Conduct comprehensive annual financial reviews covering net worth calculations, retirement progress, insurance adequacy, estate planning, and adjusting long-term goals based on life changes.

Life transition planning: Major life changes (job changes, children, relocations, health issues) require financial recalibration. Proactively discuss financial implications of anticipated changes before they occur.

When Financial Differences Become Deal-Breakers

Recognizing Irreconcilable Financial Incompatibility

Despite best efforts, some financial differences prove insurmountable. Signs that financial issues may be relationship-ending include:

Persistent financial infidelity: If your partner continues hiding spending, lying about debt, or maintaining financial secrecy despite repeated discussions and promises to change, trust has been irreparably damaged.

Fundamental value misalignment: When one partner’s core financial values (like avoiding debt entirely) directly conflicts with the other’s (like leveraging debt for lifestyle or investment), and neither can compromise, the relationship faces a poor long-term prognosis.

Refusal to engage: If your partner absolutely refuses to discuss finances, create budgets, or work toward shared goals despite your repeated attempts, they’re not willing to be a financial partner.

Destructive financial behaviors: Gambling addiction, compulsive shopping, or other addictive financial behaviors that the partner won’t address through treatment create ongoing financial instability incompatible with partnership.

Ongoing financial stress affecting health or wellbeing: When financial conflicts create persistent anxiety, depression, or physical health issues, and no improvement seems possible, staying may be more harmful than leaving.

Protecting Yourself Financially

If you’ve determined the relationship isn’t financially viable, protect yourself:

Document financial information: Gather records of shared and individual debts, assets, accounts, and financial agreements before separation conversations begin.

Separate shared accounts: Close joint credit cards and bank accounts, or remove your name from accounts to prevent accruing debt you didn’t authorize.

Establish independent credit: If you lack your own credit history, begin building it immediately to ensure financial independence post-relationship.

Consult professionals: Speak with a lawyer about asset division, debt responsibility, and protecting yourself legally. Financial advisors can help you understand the financial implications of separation and create post-relationship financial plans.

Prioritize your financial security: Recognize that staying in a financially destructive relationship can jeopardize your long-term financial wellbeing, credit, and even ability to retire comfortably.

Moving Forward After Financial Disappointment

Ending a relationship due to financial incompatibility involves grief and often financial setback:

Process the emotional impact: Financial conflicts and relationship endings both create stress. Allow yourself to grieve the relationship and the financial future you envisioned.

Rebuild financial foundations: Create a post-relationship budget, establish emergency savings, address any debt accrued during the relationship, and work toward financial stability as a single person.

Learn from the experience: Reflect on warning signs you might have missed, what you learned about your own financial values and needs, and what you’ll do differently in future relationships.

Avoid rushing into new relationships: Take time to establish financial stability and emotional health before seeking new partnerships to avoid repeating unhealthy patterns.

Conclusion: Financial Compatibility as Relationship Foundation

Financial compatibility isn’t about having identical spending habits or the same account balance—it’s about shared values, mutual respect, transparent communication, and collaborative goal-setting around money. The strongest financial partnerships embrace these principles:

Transparency: Both partners are honest about their financial situations, habits, goals, and fears, creating a foundation of trust that weathers financial challenges.

Communication: Regular, judgment-free financial conversations prevent small issues from becoming relationship-threatening conflicts.

Shared vision: Working toward common financial goals creates teamwork and positive momentum even when individual approaches to money differ.

Mutual respect: Both partners’ financial contributions—whether monetary or non-monetary—are valued, and both have equal say in financial decisions regardless of who earns more.

Flexibility: Financial plans adapt to changing circumstances, life stages, and evolving priorities rather than rigidly adhering to systems that no longer work.

Individual autonomy: Partners maintain some financial independence and identity while building shared financial lives.

Spotting and addressing financial red flags early protects both partners from entering unsustainable relationships. While difficult, these conversations and observations provide essential information about compatibility before making binding commitments.

Remember that 87% of respondents who say their marriage is “great” report that they and their spouse work together to set long-term goals for their money, demonstrating that financial teamwork correlates strongly with relationship satisfaction. By prioritizing financial compatibility alongside emotional and intellectual connection, you create a solid foundation for a partnership that thrives both emotionally and financially.

Additional Resources

For couples seeking to improve their financial communication and planning, The National Financial Educators Council offers free resources and guidance on building financial literacy and healthy money habits together.

To find qualified financial therapists who specialize in the emotional and relational aspects of money conflicts, visit the Financial Therapy Association to locate certified professionals in your area