If you are in a long term relationship, eventually you will have to have ‘The Talk.’ The money talk can put a dent in the most successful relationships. Part of compatibility is having the same goals, including financially. We recommend having a basic discussion of where your finances and goals are at around the 6-month mark. At some point you may decide to join finances or open a joint bank account, for this you should wait at least a year, this gives you the chance to see any bad habits come up before hand. Here are a few other important tips for when you bring out the bank accounts.