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30 Money Questions to Ask Your Fiance BEFORE Marriage

30 Money Questions to Ask Your Fiance BEFORE Marriage

You’ve booked the reception, you’ve tasted the cake, you bought the killer dress, but there’s one thing you may not have done yet: talk about money!

Don’t worry—it’s not too late, and you won’t have to call the band and cancel. With this ultimate guide full of important money questions, you and your fiance can talk about every financial detail so you’re cool, confident, and financially prepared for your big day.

1. How much debt do you have? This is probably the most important question you can ask a future spouse.

2. What is the max I can spend before I have to consult the other person? This will help prevent arguments about overspending in the future.

3. How much are we willing to spend on our parents if they get sick? It’s hard to quantify this amount, so this question is just more about acknowledging that this type of issue might come up.

4. How much will we spend to get fertility treatments or adopt if we have trouble conceiving? Take this time to look up the costs for both of those things just so you are aware in the future.

5. Who will be in charge of paying the bills? This is really important. My tip is to have one person handle day to day finances and the other person handle long term investments.

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6. Who will be in charge of investing in our future? Really, both of you should be involved in investing in your future, but have one person be in charge of planning family meetings to talk about it.

7. How will we choose stocks if we want to buy some? Have you ever purchased stocks or mutual funds? Take some time to learn about them now while you are young.

8. How much do you think vacations should cost? Even if you have been dating for a long time, sometimes people have different visions of what they hope vacations will be like after they get married.

9. Did you take out student loans? This one is self explanatory.

10. If so, how much? This one is more important. If one of you is currently in school and you don’t know how much you have borrowed, go to your financial aid office or your credit report and find out today.

11. Have you ever declared bankruptcy? Hopefully you would have told your fiance this by now, but if you haven’t, they deserve to know.

12. Would you want to declare bankruptcy if we found ourselves in a tough spot? I hope you never have to face this tough decision, but talk about what might happen if you get to that point or even better, talk about how to prevent this.

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13. Do you want to pay for more education in the future? It’s good to know if your future spouse has always wanted to go back to school, so you know it might be a potential cost in the future.

14. Do your parents pay for any of your current bills? If they do, will they be continuing to help you in the future?

15. Would you accept money from parents as help after we get married? Some spouses don’t like receiving outside help, so be sure to address this.

16. Do you currently owe money to any friends? If so, try to pay them back as soon as possible.

17. Do you prefer generic or name brand goods? This will help you learn about each other’s spending habits.

18. Do you like paying for things with cash or credit? If you pay with credit, do you always pay it off at the end of the month?

19. Do you have any money currently saved? I know the wedding is expensive, but if not, try to put aside just $50-$100 a month to get the savings account started.

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20. Do you save money at the beginning or the end of the month? Try to save at the beginning. If you wait to save what is left over, there is often nothing left.

21. Do you participate in your company’s 401k match? If your company does not offer one, are you saving for retirement in another way, like in an IRA?

22. Do you max out your retirement accounts every year? If not, try to decide how you will be able to start doing so this year or next year.

23. How do you like to spend your “fun money”? On cars, shoes, purses, or pitchers of beer?

24. How much do you want to save for an emergency? Most experts recommend starting with a $1,000 buffer and then adding to it until you can cover 6 months of expenses.

25. How many kids do you want to have? You might have discussed about this already, but look up the financial costs of having children and talk about it.

26. Do you plan on paying for our children’s college education? If so, try to start saving when they are born.

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27. Do you want our kids to go to public or private school? This is important to know, since it will affect your cash flow in the future.

28. Would you help your siblings financially if they needed it? And, would you expect them to pay you back?

29. Would you rather invest in a house, or invest in experiences, like traveling? This is a really good question to help determine your priorities.

30. Would you seek financial counseling if we decide we need it? It’s always good to know that your spouse is willing to get help if money issues come up in the future.

If you and your fiance can sit down and go through the questions above, you will already be light years ahead of many couples who are about to tie the knot. Remember that finances are the number one thing that couples argue about, so if you can combat many of these issues ahead of time, you are doing a great service to your marriage.

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Catherine Alford

Catherine is the go to personal finance expert for educated, aspirational moms who want to recapture their life passions.

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Last Updated on August 6, 2020

35 Top Productivity Apps for iPhone (2020 Updated)

35 Top Productivity Apps for iPhone (2020 Updated)

Over the years here at Lifehack, we’ve discussed plenty of apps that you can use to improve your overall productivity.

There are certain ones that many of our contributors and editors (past and present) have adopted over the long-term — there are always the stalwarts that stick around. But there are also new apps that crop up every day, adding more and more depth to the app category.

Some of the apps are incredibly plain and simple, while others are more robust and offer more features than you can shake a stick at. And everyone has the one they prefer.

It’s been our job (and still is our job) to keep abreast of all of the productivity-type apps out there. As a result — and as a bit of a refresher — we’ve put together a list of 35 best productivity apps for iPhone (all categorized based on their functions) to provide you with an all-in-one resource for you.

For Getting Things Done

1. OmniFocus

This app is, while pricey, considered to be one of the (if not the) most robust and full-featured productivity apps on the market.

Download it here.

    2. Forest

    Train yourself to put your phone down and stay focused on the task at hand by playing with this planting game. It’s fun and will help you achieve more.

    Download it here.

      3. Things

      Another robust choice, this app is a favorite amongst “productivityists”.[1]

      Download it here.

         

         

        4. Any.Do

        A beautiful-looking app that is both easy on the eyes and your wallet.

        Download it here.

          5. PocketLife Calendar

          This calendar app is specifically designed to be stylish and super easy-to-use. You can organize your life easily with different modern features.

          Download it here.

            6. Asana

            We’ve covered Asana here at Lifehack

            , and it is being actively developed by a strong team committed to making collaborative task management a more efficient and effective experience.

            Download it here.

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              7. ToDoist

              This app keeps track of everything – from simple errands to your most important projects – so you can get it all done and enjoy more peace of mind along the way.

              Download it here.

                 

                 

                8. Calendars 5

                This calendar app focuses on events that help you to keep track of upcoming events and tasks easily. It has everything you need to organize, track, and complete your to-dos.

                Download it here.

                  9. Clear – Tasks, Reminders & To-Do Lists

                  A fun and innovative list-making app that relies on swiping and pinching to make things happen. Clear created a lot of buzz when it launched, and might be the perfect to-do list gateway app for many.

                  Download it here.

                    10. Due

                    A robust reminders app that lets you store and maintain reminders of all types. It’s replaced Reminders for me when it comes to the basics, and it’s worth a look if you want to keep the mundane stuff out of your head and cluttering your mind.

                    Download it here.

                      11. Checkmark 2

                      I use this app

                      for location-based reminders (such as groceries I need to get or single items I need to pick up from various locations). Checkmark is simple to use and valuable addition to my productivity arsenal.

                      Download it here.

                        12. TeuxDeux

                        Created by Tina Roth Eisenberg and Fictive Kin — TeuxDeux is simple and incredibly stellar in terms of design. If you like lists (including the popular “Someday Bucket”) and want to associate dates with tasks, then TeuxDeux will be right up your alley.

                        Download it here.

                           

                           

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                          13. Nirvana

                          For the GTD enthusiasts, there’s Nirvana. Straight from the source: “Nirvana frees your mind to focus on actually getting things done. If you’ve had enough of generic to-do lists, it’s time for Nirvana.”

                          Download it here.

                            14. Priorities

                            An elegant-looking task management app that has received decent reviews,[2] this could be the one for you if you’re not a fan of OmniFocus or Things — especially if you need (or want) to share tasks with others.

                            Download it here.

                              For Building Habits

                              15. Productive

                              With this app, you can plan your habits with an easy-to-use interface, schedule habits for any time of the day, set smart reminders for each time of the day, and stay on track with useful feedback. This app is perfect for anyone who wants to build a habit that sticks.

                              Download it here.

                                16. Habitica: Gamified Taskmanager

                                You can complete tasks and build habits in a more fun way with this app. Input your Habits, your Daily goals, and your To-Do list, and then create a custom avatar. Check off tasks to level up your avatar and unlock features such as armor, pets, skills, and even quests.

                                Download it here.

                                  17. Streaks

                                  This app follows the model of the popular “don’t break the chain method” in that you use the app to track how you are donig in the pursuit of your goal. Great for goal-setting — and an easy and elegant interface to boot.

                                  Download it here.

                                    18. Remember The Milk

                                    Another popular to-do list app, Remember The Milk has a huge following. It has plenty to offer, including the ability to share tasks with others.

                                    Download it here.

                                      19. Day One Journal

                                      When it comes to journaling, nothing really beats Day One. Its latest update added a slew of features that will make you want to start making journaling a habit.

                                      Download it here.

                                        For Files Organization

                                        20. Evernote

                                        Touted as the world’s most widely-used productivity app, Evernote is an be used simply as a notetaking app or can be customized to be your GTD app of choice — among other things.

                                        Download it here.

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                                          21. Pocket

                                          You can save an article, video, or link you want to read or watch later to Pocket from anywhere including your computer, Safari, email, and your favorite apps like Facebook, Twitter, Flipboard, and Feedly.

                                          Download it here.

                                            22. Sync.Me

                                            This app identifies unknown phone calls, warns you from annoying spam calls, and adds a caller picture to your contacts from Facebook, Twitter, and Google+.

                                            Download it here.

                                              23. Droplr

                                              One of the most popular file-sharing apps out there today. Straight from the source: “Stay productive on the go. Droplr for iPhone keeps you in sync and makes sharing on the iPhone natural.”

                                              Download it here.

                                                24. Dropbox

                                                Before iCloud, there was Dropbox. And there still is Dropbox, which is still widely used by both Mac and PC users all over the globe. It’s like having a flash drive on your iPhone. A must-have.

                                                Download it here.

                                                   

                                                  For Working Smarter

                                                  25. Captio

                                                  A simple capture tool. Straight from the developers: “It’s simple. Open Captio and start typing. When you’re done, hit Send. The note is immediately delivered to your email inbox.”

                                                  Download it here.

                                                    26. Drafts

                                                    A tremendous capture tool that allows for simple capture, followed by sending items to various applications such as OmniFocus, Things, and more.

                                                    Download it here.

                                                      27. NoteShelf 2

                                                      This is a perfect note-taking app for you. You can take beautiful handwritten notes, type, annotate PDFs, record audio & create lists. You can organize them into categories or groups.

                                                      Download it here.

                                                        28. Doodle

                                                        This app links directly with the Doodle service, which is one that allows you to plan and organize meetings far more efficiently and effectively. Lifehack contributor Steve Dotto has written about Doodle more in-depth here.

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                                                        Download it here.

                                                          29. TextExpander (Legacy)

                                                          I have saved countless hours of time with TextExpander, and despite its inability to be as robust on iOS as it is on the Mac, it is still a worthy app to have in your arsenal.

                                                          Download it here.

                                                            30. Launch Center Pro

                                                            A quick launcher for the iPhone that doesn’t just launch an app…with some of them it can do much more. This app saves you time by launching complex actions in a single tap.

                                                            Download it here.

                                                              31. GoodReader

                                                              This may seem to be an odd one to make this list, but here are plenty of reasons why it is here with this article.

                                                              Download it here.

                                                                32. LogMeIn

                                                                Want to be able to control your Mac from wherever you are? Then get this app.

                                                                Download it here.

                                                                  For Improving Security

                                                                  33. 1Password

                                                                  There is simply no better password manager out there. I’ve even put together a 1Password Emergency Kit worth looking at here.

                                                                  Download it here.

                                                                    34. LastPass Password Manager

                                                                    You can store passwords and logins, create online shopping profiles, generate strong passwords, track personal information in photo and audio notes.

                                                                    All you have to do is remember your LastPass master password, and LastPass auto-fills web browser and app logins for you.

                                                                    Download it here.

                                                                      35. Truecaller

                                                                      Identify and block spammers, search for unknown numbers, and call friends easily with this app. With a community-based spam list from over 250 million users, you’ll need this app.

                                                                      Download it here.

                                                                        There are plenty of other options out there (and we’ve heard from readers in the past as to what they enjoyed using), but these 40 are among the best.

                                                                        Featured photo credit: William Hook via unsplash.com

                                                                        Reference

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