Before they march down the aisle, engaged couples rarely discuss who'll pay the electric bill or how much to save once the knot is tied. Maybe they should.

The best gift someone could give their kids is two hours with an experienced financial planner who will lay things out for them.

Adult children often believe they understand money issues, he said. But they don't. Newlyweds often have vastly different attitudes toward spending, saving and financial goals, which may lead to conflict.

A lot of the problems that cause divorce have to do with money.  The start is to know yourself. I bet a very small percentage of those about to be married ever think about how they feel about money. Many discover that their about-to-be spouse has opposing ideas about money. Agreement over money issues helps improve marital harmony.

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 If you answer yes to any of these questions, ask Ron how this may affect your financial life at or visit   The Wallet Doctor, the place you go to make sure no one is performing any unnecessary open wallet surgery upon you!

  • Have you gotten married or divorced?
  • Have you had a baby?
  • Did your teenager get a driver's license?
  • Have you switched jobs or experienced a significant change in your income?
  • Have you done extensive renovations on your home?
  • Have you decided to buy a vacation or potential retirement home?
  • Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
  • Have you signed a lease on a house or apartment?