When it comes to personal finance matters, there are two common scenarios that play out among many couples: They either bottle it all up and ignore it until things boil over, leading to the inevitable huge argument, or they just bicker with each other constantly about who’s spending what on what. Money talk is either taboo, something to fear, or a constant source of stress, anxiety and fight material. But here’s the thing: You have to to be able to sit down and discuss finances in a practical and diplomatic manner with your partner—like, well, the grown-ups that you are. It’s all a part of the whole “building a strong relationship” thing—not to mention it’ll keep you guys out of serious debt (or at least get you on the road to doing so). Herein, money experts give 2 readers valuable advice on how to communicate with their partner properly, set mutual goals and plan for their future together.