Most couples don’t avoid money talks because they don’t care. They avoid them because the topic feels like it could turn one weird number into a full personality critique. So, they talk about bills, maybe savings, and they skip the one discussion that actually prevents chaos later. Then a job change, a surprise tax bill, or a big move forces the issue, and suddenly you’re negotiating under stress. The solution is having one clear financial conversation before you “need” it. This is the talk about what happens when the plan breaks.
