One set of financial goals is hard enough to manage. Two sets can seem impossible until you learn how to merge finances with your spouse – and how to keep some assets separate.
Coming together with your spouse for big-picture costs – homes, a college education – is probably easier if you share financial goals and values. Some couples match up from the start; other couples grow into such simpatico. (Amazingly, some couples succeed in planning despite having many different goals and values.)