3. Refusing to talk about finances You bring up money matters, but your partner won't reciprocate, even as the relationship progresses -- potentially, a big red flag.Be nervous if you have no clue whether your beloved is carrying a credit card balance, has a miserable credit score or has been receiving ominous letters from the power company. Money issues can quickly strain a relationship. Your partner won't talk about finances? There could be trouble. "It is so important to talk about financial issues," says Kemberley Washington, a CPA and business professor at Dillard University. "Too often people talk about anything but their financial situations. If you haven't had that talk, you need to have it." 4. They don't make a lot of money but spend a ton You know what your date does for a living. You know, in general, the range of income their particular profession makes. Yet, he or she spends big dollars on expensive computers, TVs and video-game systems that are seemingly out of financial reach. This could be a sign of people who are spending more money than they make. People who overspend their incomes rarely escape debt-free. 5. Look at their phone Does your date use a prepaid cell phone? It's not always the case, but such a phone could be a sign of financial distress. As Roman says, people who can afford or qualify for a monthly or yearly cell phone plan will usually get one. Those who can't? They are the ones who choose prepaid phones. While none of these clues are sure signs that the person you are dating is in financial distress, they are warning signs to watch out for. If you're concerned, use these clues to spur a conversation about money. Sit down with your partner and share your finances and then encourage them to do the same. If you are moving your relationship to a more serious level, this type of honesty is important. What if you see problems such as big credit card debt or a nearly empty savings account? It's time for an even longer discussion.
"If you get to the point where you are trying to come up with a joint budget and the numbers don't add up, you need to talk with your partner," McClary says. "Numbers don't lie. The numbers are the ultimate lie detector. If they are telling you things are fine and the numbers don't add up, go with the numbers."