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Money is a heavy topic, so give yourself some time to get deeper into the courtship.

Talk about whether or not going to dinner tonight fits within your budget, for example.

Maybe talk about how your family viewed money or what you’d do if you had a million dollars.

Generally speaking, the objective of relationship advice is to minimize friction between romantic partners.

We all want our relationships to run smoothly, and most couples would agree that it’s not great to drive each other nuts.

Here’s how to calmly—and, dare I say, enter this critical conversation into the record in the early stages of your relationship: Set a Date My now-husband and I had a money powwow about two years into dating.

Don’t get me wrong: By then, we’d fully observed each other’s spending behaviors and discussed goals (thankfully, with no red flags). With plans to move in together and cosign a lease just a few months down the road, we figured this was a natural and important time to get into the nitty-gritty.