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Here's one that doesn't warrant an immediate discussion as if you're in your 20s or 30s you're a long way` away from retirement. However, it's something to talk about if the two of you will be combining your finances. You need to feel comfortable about this and how you will be saving for retirement. Plus, if the two of you begin planning for retirement this shows you have forethought and good judgment which are very good qualities when it comes to having a long-term partnership.
Would you create a budget with me?
There's nothing fun about sitting down and making a spreadsheet but you need to take the time to do this before moving in together. There are the obvious expenses such as rent, utilities, and groceries but there are also a bunch of others you'll have to face when you move into a house or apartment together. For example, there's furniture, decoration, toiletries, pet costs and even more. This may not be very romantic but the fact is that someone does have to buy the toilet paper and Drano. Review your finances and decide who will pay what costs as this will decrease the possibility that one of you will build up resentment over these things. Or, worse yet, you have constant arguments because one of you feels they're shouldering a bigger burden when all those small costs turn into a big number.
If you've never created a comprehensive a budget, here’s a helpful video showing how to do one using an Excel spreadsheet.
The net/net about asking financial questions
The way this nets out is that asking and getting answers to these questions can make for a very uncomfortable situation. No one’s idea of a great date night is to sit around talking about budgets, the splitting of household expenses, retirement savings and emergency funds. But if you move in together without having asked these questions things can get a lot more awkward or could even end up with the two of you deciding to split the blanket due to constant fights about money. So suck up your courage, sit your partner down and start asking questions. It may not feel like a lot of fun but it will head off a lot of angry confrontations in the future.