Hey Lykkers, Can I be real for a second? Talking about money with your partner can sometimes feel a bit like walking through a minefield—awkward, tense, or just plain confusing.

But here's the thing: having those honest conversations about your finances isn't just necessary; it's one of the best ways to build a secure future together.

According to financial expert Suze Orman, discussing finances openly as a couple is crucial to long-term financial security.

Whether you've been together for years or are just starting your financial journey as a couple, discussing your long-term financial security will help you both feel confident, aligned, and ready for whatever life throws your way. So, grab a cup of coffee, sit down with your partner, and let's talk about the 10 essential things you should cover.

Before diving into budgets and investments, start with the big picture. What do you each want financially? Maybe it's buying a home, traveling, saving for retirement, or supporting grown children. Knowing each other's goals helps you create a shared roadmap.

Transparency is key. Be honest about your income, debts, assets, and expenses. It might feel uncomfortable at first, but understanding the full picture ensures you're both on the same page and can make smart decisions.

3. Budgeting as a Team

Do you track spending together or keep finances separate? Discuss how you want to manage your monthly budget—shared accounts, individual spending money, or a hybrid approach. Agreeing on this can prevent conflicts later.

4. Emergency Fund

Life throws curveballs—job loss, medical bills, or unexpected repairs. Chat about how much you want to keep in an emergency fund and how you'll build or maintain it. A safety net can bring peace of mind.

5. Debt and How to Manage It

Whether it's student loans, credit cards, or mortgages, debt affects your long-term security. Talk about how you plan to pay down debt, prioritize high-interest balances, and avoid accumulating more.

6. Retirement Plans

When and how do you want to retire? Discuss your current savings, pensions, or social security plans. It's also worth talking about where you might want to live and what lifestyle you envision post-retirement.

7. Insurance Coverage

Do you have the right insurance policies? Health, life, disability, and long-term care insurance are all important protections. Review what you have, what you might need, and how to keep premiums manageable.

8. Estate Planning

No one likes to think about it, but it's vital. Discuss wills, powers of attorney, and healthcare directives. Decide if you want to consult an estate planning attorney to ensure your assets are protected and your wishes honored.

9. Investment Strategy

Are you comfortable investing? How aggressive or conservative should your investments be? Talk about how you'll grow your money over time and balance risk, keeping in mind your timelines and goals.

10. Regular Check-Ins

Financial planning isn't a "set it and forget it" deal. Life changes, markets fluctuate, and goals evolve. Agree on a schedule—maybe quarterly or yearly—to review your finances and make adjustments.

Wrapping It Up

Money talk can be tricky, but it's one of the most empowering conversations you and your partner can have. These 10 discussion points aren't just about dollars and cents—they're about building trust, aligning dreams, and securing your future.

Start small if you need to. Maybe just pick one or two topics for your next chat. The key is to keep the conversation going and keep it honest.

Remember, you're a team, and with open communication, you'll navigate the road to long-term financial security side by side.