Financial Green Flags in a Partner: Why Talking Money Goals is the Ultimate Relationship Win (Take our Quiz)

By Molly Benjamin, Founder of Ladies Finance Club

Picture this: You’re on a date, and the conversation shifts from holiday destinations to budgeting styles. Your date casually mentions their OMG fund (aka an emergency fund), they know the difference between a superannuation account and an ETF, and they’ve got big dreams of buying a home and taking that trip to Italy. Heart? Stolen.

When it comes to relationships, money matters – big time. In fact, research shows that money is one of the top three reasons couples argue, and a lack of communication around finances can create unnecessary tension. But here’s the good news: talking openly about financial goals with your partner isn’t just a relationship saver – it’s a way to thrive together.

So, let’s explore some financial green flags and why they’re key to building a strong (and drama-free) future.

1. They’ve Got Shared Goals Vibes 🎯🤝

 Talking budgets isn’t everyone’s idea of romance, but it’s crucial. A 2023 study by Finder found that 46% of Australians say financial stress has negatively impacted their relationships. A partner who understands where their money is going – and is open about it – can help you dodge those awkward “Who’s paying for dinner?” conversations.

Green Flag Alert: They’re happy to split expenses fairly, chat about budgets openly, and don’t act like talking money is taboo. Bonus points if they also leave a generous tip at dinner!

2. They Can Handle a Budget Without Breaking a Sweat 📊😎

Talking budgets isn’t everyone’s idea of romance, but it’s crucial. A 2023 study by Finder found that 46% of Australians say financial stress has negatively impacted their relationships. A partner who understands where their money is going – and is open about it – can help you dodge those awkward “Who’s paying for dinner?” conversations.

Green Flag Alert: They’re happy to split expenses fairly, chat about budgets openly, and don’t act like talking money is taboo. Bonus points if they also leave a generous tip at dinner!

3. They Love a Good Emergency Fund 💰🛟

Nothing says “I’ve got my life together” like having a backup plan. Experts recommend having three to six months of living expenses saved, but only 1 in 4 Australians actually do this, according to the ASIC MoneySmart Report. If your partner has an emergency fund (or is building one), that’s a sign they value stability and future planning.

Green Flag Alert: They talk about their OMG fund (or at least know they need one). It shows they’re proactive, not reactive.

4. They’re Not Scared to Talk About Debt 💬💳

Debt can be a tricky topic, but the green flag here is transparency. Whether it’s student loans, a mortgage, or a credit card balance, owning up to it – and having a plan to pay it down – is key. Studies show that couples who disclose financial details early are happier in the long term.

Green Flag Alert: They’re upfront about their financial baggage and want to tackle it with a realistic plan.

5. They Invest in More Than Just Their Netflix Account 📈🍿

Investing might seem like a world of jargon (ETFs? Blue chips? Dividend yields?), but someone who’s willing to learn and grow their wealth is a keeper. According to Canstar, 65% of Australians want to invest more but feel they lack the knowledge. A partner who’s curious and proactive about building wealth – even if they’re just starting out – is a great sign.

Green Flag Alert: They’ve got a money mindset that’s focused on growth – without falling for the latest crypto hype.

6. They Want to Plan a Future – With You 🌟💍

The ultimate green flag? A “future us” mentality. Couples who work towards shared financial goals tend to build stronger, more fulfilling relationships. Even small steps, like setting up a joint holiday savings account or mapping out when to buy a house, show they’re committed to the long haul.

A survey by TD Bank found that 81% of couples who plan their finances together report stronger communication and trust. Plus, having shared goals gives you both something to work toward (and celebrate!) together.

Green Flag Alert: They’re not just here for the good times – they’re here to build a future with you.

Spotting financial green flags isn’t about finding someone rich – it’s about finding someone aligned. A partner who’s open, responsible, and ready to plan with you sets the foundation for financial (and relationship) success.

So, the next time you’re on a date and the topic of money comes up, don’t shy away. Ask about their goals, share yours, and see where you align. After all, love might make the world go round, but a solid budget keeps the lights on. 💡💕

Check out our next Masterclasses coming up at Ladies Finance Club here.

Your Move: Got a partner with financial green flags? Celebrate them (and maybe suggest a money date)! Or if you’re flying solo, start flexing those green flag habits yourself – because the right partner will match your energy. ❤️

Find out if you and your partner are financially compatible, take the quiz here!