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| Issue | Guidance | |-------|----------| | | Discuss expectations about shared expenses, gifts, and financial support. Transparency prevents resentment. | | Financial Independence | Both partners should retain personal accounts and credit lines, especially early on. | | Future Planning | If you plan to cohabit, buy a home, or merge assets, consider a cohabitation agreement or prenup to protect both parties. | | Student Loans & Debt | If the 18‑year‑old is still in school, clarify how tuition, loans, and living costs will be handled. | This is arguably the most critical aspect of

“Your heart is already a beautiful picture,” he said. “Don’t ever let anyone tell you it isn’t worth capturing.” | Issue | Guidance | |-------|----------| | |

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