His, hers and theirs

Summary: Should married couples merge their finances completely or keep everything separate? The answer isn't as straightforward as it seems. This piece explores the hidden costs of financial secrecy, the practical compromises real couples adopt and why transparency and independence don't have to be mutually exclusive.

Summary: Should married couples merge their finances completely or keep everything separate? The answer isn't as straightforward as it seems. This piece explores the hidden costs of financial secrecy, the practical compromises real couples adopt and why transparency and independence don't have to be mutually exclusive. I recently met a couple looking to begin their investment journey. Both were working professionals and had built investments before getting married. However, they were reluctant to discuss their investments jointly. They wanted to maintain financial privacy, and given the realities of modern relationships, I could understand their perspective. However, this arrangement comes with certain limitations. I discussed some of these challenges with them and offered a few examples for consideration. At the very least, household income and expenses should be known to both partners so that common financial goals can be planned effectively. When we work wit

This article was originally published on June 20, 2026.