Does Your Spouse Really Know the Financial Plan? Why That Matters │ Root Talks

Aug 7, 2025

Engaging both partners in financial planning is essential for success. Discover how open communication can unveil hidden dreams and values that drive shared goals. Uncomfortable questions, like spending versus political donations, spark honest conversations that deepen relationships. This connection transforms financial planning into a collaborative journey, where both voices matter and decisions align with family aspirations. Learn why true financial conversation is about more than numbers; it’s about understanding each other’s hopes for the future.

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ADVICE

Involve Your Spouse in Planning

Include your spouse or partner in your financial planning conversations to capture essential insights and concerns.
Having both partners engaged ensures stressors and dreams are fully understood and addressed.

INSIGHT

Financial Planning Is Shared Vision

Financial plans are not just math problems but blueprints for shared futures reflecting mutual dreams and values.
Spouses reveal blind spots and emotional aspects unknown to the managing partner alone.

ANECDOTE

Advisor Meetings Need Both Spouses

Ari Taublieb's mother felt intimidated by advisors and never fully understood her financial plan.
Many advisors start with the managing spouse only, risking missing the full household perspective.

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Money conversations fall short when only one spouse is at the table. It’s easy to treat financial planning like another household task to divide and conquer, but unlike errands, your financial plan is the blueprint for your shared future.

What we’ve seen time and again is that the person sleeping next to you often holds the key to your blind spots. They know what stresses you out, what brings you joy, and what dreams you’ve stopped saying out loud. That’s why the best financial plans aren’t just about returns or tax strategies—they’re built around conversations that reflect what both of you actually care about.

One question we love to ask: “Would you rather spend more each year, or donate that money to your least favorite political cause?” It’s uncomfortable and it works. Couples suddenly uncover real goals they’ve never voiced before.

When both partners are involved, tradeoffs become clearer, values rise to the surface, and decisions feel more connected. It’s not just better planning, it’s a better relationship with your future.

What conversations might you and your partner still need to have?

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