Love Quiz: Test Your Financial Fidelity

1. One of us has found statements to the other’s secret credit account.

True, False

2. We both know our household net worth.

True, False

3. I notice $100-plus purchases my partner hasn’t mentioned.

True, False

4. We both know the other’s income sources and earnings.

True, False

5. I hide pricey purchases (e.g., golf clubs, designer bags).

True, False

6. We schedule money discussions.

True, False

7. I suspect (s)he has cash stashed.

True, False

8. When one of us helps a friend or relative financially, the other is aware.

True, False

9. I keep a stash of cash secret from my partner.

True, False

10. We’ve discussed our goals within the last 30 days.

True, False

11. One or both of us have masked a money issue to maintain control.

True, False

12. We both know the other’s financial strengths and weaknesses.

True, False

13. I’ve purchased gifts for someone without telling my partner.

True, False

14. We can access each other’s financial documents.

True, False                  

15. I’ve found receipts/thank-you notes for gifts

(s)he didn’t mention giving.

True, False

16. I never feel guilty about my spending.

True, False

17. I don’t want to worry my partner with the truth.

True, False

18. We both know how much debt the other has.

True, False

19. (S)he’s gotten parking tickets I discovered by

accident.

True, False

20. If I forget to pay a bill, I fess up.

True, False

21. When (s)he promises to foot the bill, (s)he reneges.

True, False

22. We know each other’s credit scores.

True, False

23. I’ve lied that a splurge was on sale.

True, False

24. I’m hiding a costly habit (e.g., gambling, drugs).

True, False

25. I suspect my partner is hiding a costly habit.

True, False

26. I have a secret dependent (e.g., love child, mistress, spouse other than mate).  

True, False

27. I suspect my partner lives a double life.

True, False

28. I hide my mail.

True, False

29. I’ve secretly withdrawn from our account.

True, False

30. I’ve discovered secret withdrawals from our account.

True, False

31. When I ask about money, (s)he changes the subject.

True, False

32.  (S)he’d leave me if (s)he knew the money mess I was in.

True, False

SCORING:

Even numbered questions 1–22:

Tally one point for each FALSE answer.

Odd numbered questions 1–22:

Tally one point for each TRUE answer.

If you answered TRUE to ANY of questions 23–32, tally an additional 15 points.

[0–5] PARTNERS IN PROSPERITY understand their investments and discuss meeting their goals. “Jointly managing

finances is key,” says Carrie Braxdale, managing director, investor services at TD Ameritrade.

[6–15] CASUAL WITH CASH.

A tendency to compartmentalize or ignore details endangers a couple’s financial future.

[16-plus] “FINANCIAL INFIDELITY occurs when couples with combined finances lie to each other about money,”

according to Investopedia. Sessions with a debt or marriage counselor can be a life-changing investment.