3 Smart Money Moves Before Walking Down The Aisle

Marriage isn’t just about planning the perfect wedding — it’s about building a life (and a financial future) together. At Roche Wealth, we help couples align their financial goals so they can focus on what really matters: building a joyful life together. Before you walk down the aisle, here are three smart money moves every couple should make to start their marriage on the right financial footing.

1. Have the “Money Talk” 

Finances are one of the most common sources of stress in marriage — but they don’t have to be. Sit down with your partner and talk openly about:

• Income, debts, and spending habits.

• Financial goals (buying a home, starting a family, traveling, retirement).
  Whether you’ll combine accounts, keep separate accounts, or do a mix.

Pro Tip: Approach this conversation with honesty and grace. The goal isn’t to judge but to understand and build trust.

2. Create a Budget 

Once you know where you both stand, create a budget that works for your life together. A budget helps you align on priorities.

Include in your plan:

• Shared expenses (housing, utilities, groceries).

• Personal spending money (so you both keep some independence).

• Savings and investments for the future.

Pro Tip: Use the budgeting tools in eMoney!

3. Protect Your Future Together 

As you merge your lives, think about protecting what you’re building. That might mean:

• Updating beneficiaries on retirement accounts and insurance policies.

• Reviewing health insurance options (often it’s cheaper to be on one plan).

• Considering life insurance and estate planning — even if you’re young.

Pro Tip: Taking these steps early gives you assurance of safety and strengthens your foundation for the future.