Couples Finance

Couples finance is the field of personal finance applied to two-person economic units. It covers account structures (joint, hybrid, separate), shared vs. personal spending, household budgeting, joint goal-setting, and the communication practices that make any of the above work.

The defining difference between personal and couples finance is that every decision involves two preferences, two histories, and two risk tolerances. Most personal-finance advice doesn't translate directly. For example, optimal personal investment strategy can differ between two partners even when the household-level strategy is shared.