Summary: Open communication prevents conflicts: Regular money talks help couples stay aligned on spending, saving, and financial goals before disagreements arise Shared systems work better than

Summary: • Financial infidelity affects 1 in 3 relationships and creates hidden costs that extend far beyond money, damaging trust, communication, and long-term relationship stability

Summary: Identify Key Financial Roles – Families typically comprise Planners (organised, future-focused individuals), Non-Planners (spontaneous, present-focused individuals), and Children (observers and learners). Understand Associated Challenges – Planners

Summary: Recognise Emotional Obstacles – Understand that feelings like fear of judgment, shame, past financial experiences, and power dynamics can hinder open financial discussions within