Depending on the stage of the relationship, that money talk may include a discussion of consumer debt, spending philosophies and budget priorities. In addition, if you have been concealing secrets such as excess credit card bills or a hidden bank account, this conversation offers an opportunity to come clean.

While discussing finances with your partner may not be the most romantic way to spend this Valentine's, setting aside at least some time to talk money may help ensure that you're still a couple when the next one arrives.

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