It will come as no surprise to people who've been in a relationship that couples fight about money. In our recent Love & Money survey, we found that 53% of survey respondents find that having money conversations with their partner is stressful. Our feelings about money are inextricably linked to deeper emotional values like security, control, status, success and freedom. It\u2019s no wonder that with so many loaded emotions attached, a fight about money can cause a lot of pain for both parties.\r\n\r\nThe solution? Most psychologists agree that talking about money with your partner early (and often) is the best way to prevent future quarrels. While there's no way to completely eliminate money stress from your life, knowing your partner\u2019s stance on finance from the beginning can help you predict how well you\u2019ll manage your money together down the road. \r\n\r\nHere's an easy guide to the essential conversations you need to have with your significant other at every stage of your romance:\r\n\r\n1-3 Months\r\nLet\u2019s be honest: dating can be expensive! Begin a conversation with your partner about how you\u2019ll split dinner and a movie on a Friday date night. Make a plan to split the cost at the point of purchase, Venmo each other later, or agree that one of you will grab the dinner and the other the movie. And don\u2019t worry about killing the romance\u2014instead, just agree that if someone says, \u201cMy treat!\u201d you\u2019ll each accept the generosity.\r\n\r\n6-12 Months\r\nWhile you may have more dates that involve Netflix and takeout at this point in your relationship, but there's always money items that come up. For example, if your partner always wants to check out the hot new restaurant in the neighborhood while you are trying to save for a big purchase, you need to have a talk. Be open about how you like to spend your money and what your budget is. Talk to your partner about what you each want to spend on dates, and come up with some creative ways to spend time together that don\u2019t require pulling out your credit cards.\r\n\r\n1-2 Years\r\nAt this stage you may be talking about taking a vacation together, but make sure you both know the other\u2019s budget and expectations before booking that trip to Paris. If you have different income levels, it\u2019s especially important to set expectations around hotel costs, airfare and eating out while traveling. Having a candid conversation about what you can and can\u2019t afford is so much better than having a fight because one of you booked a scuba-diving adventure the other can\u2019t really swing. If you need to compromise on costs, taking advantage of credit card points toward flights, or traveling somewhere you can stay with friends, are both great options.\r\n\r\nMoving In\r\nBy now you\u2019re probably pretty familiar with your partner\u2019s financial habits and budget. But make sure you ask all the hard questions you\u2019ll be facing as domestic partners before you move in:\r\n\r\n\tWhat can you spend on rent?\r\n\tWhat is your budget for new home items like furniture?\r\n\tDo you believe in spending on the same splurges, or would one of you\r\nrather spend lots on groceries, while the other wants all the cable add-ons\r\nand a flat screen TV?\r\n\tShould you open a joint checking account and credit card to pay rent and\r\nother shared expenses?\r\n\tWho will be the main cardholder if you go that route?\r\n\r\nJust Engaged\r\nIf you\u2019re planning on having a traditional wedding, prepare for some major expenses! Of course, take some time to enjoy your engagement, but make sure you leave space to sit down with your partner and plan out your wedding budget. Who is paying for what? Are your parents and in-laws contributing? What steps will you take together to make sure your big day stays on budget? Money woes right before you say \u201cI do\u201d are never a good idea. Better to have a plan and stick to it now than risk tensions arising down the line.\r\n\r\nNearly Married\r\nBefore you tie the knot, it's important to have a serious conversation with your partner about your financial state of affairs. Being open and honest with one another about what you make, owe, and own is important\u2014after all, once you\u2019re married you\u2019ll share one another\u2019s debt (or riches). It\u2019s not always a fun, but that can mean working together to pay off your partner\u2019s debts. You should also make a financial plan for how you\u2019ll manage your finances once you\u2019re married. Will you be keeping your finances mostly separate or combining them into a joint account? Will you be setting a cap on purchases that can be made without the approval of the other partner?\r\n\r\nTread lightly\u2014these are the types of conversations that can have a lot of emotional baggage. It\u2019s important to remain aware of your partner\u2019s insecurities and approach the conversation with an open and empathetic attitude. This can be a great time to get a financial advisor involved. They\u2019ll help you look at your finances objectively, take the emotion out of the discussion, and work with you to put together an actionable plan.\r\n\r\nRead More: Should I Combine Finances with a Partner Before Marriage?\r\n\r\nBaby on the Way\r\nCongrats! You have a baby on the way, and you\u2019re excited about everything that the future holds for you and your growing family. Take this time while you\u2019re still getting a full night\u2019s rest to create a financial game plan with your partner. Raising kids is expensive! How are you going to handle the additional cost now while also planning for your child's future? How much of your paycheck will you set aside for your child\u2019s care and schooling? Will one of you become a stay at home parent? What are the financial implications of losing that income? Are you going to help fund college, or set up a 529 plan? Put your heads together and come up with a plan that includes all of these items.\r\n\r\nWhere to Begin\r\nAs you continue your lives together, you\u2019ll only need to have more and more financial conversations. Luckily, setting the right foundation early on in your relationship means that it will be easier to talk about money with your partner. Open, honest, and serious conversations about money are hallmarks of a solid relationship with a bright future. Good luck!