It’s easy to see the world through rose-colored glasses when a new love enters your life. However, you may want to get a few discussions out of the way before planning your wedding date.

Although finances aren’t exactly romantic, it’s best to make sure you and your partner are on the same page about money. Here are some important topics you should bring up during each important stage of a relationship.

Communicating Your Values

While on the first few dates with a new fling, it’s important to get everything out in the open. Communicate your values about money, goals, and how you see your future. Even asking simple questions like, “If you won the lottery, what would you do?” can tell you a lot about your potential partner.

Yours, Mine, And Ours

So, your partner passed the first test. Once you’ve decided to shack up, you’ll need to figure out how to divvy up who will be bringing what to the new homestead. You may even want to consider opening a joint checking or savings account to help you get started managing money as a couple.

Envisioning The Future

Getting engaged and eventually tying the knot means you’re ready to commit. This is the perfect time to initiate financial conversations about what you have right now and what you want in the future. Discuss everything from how many kids you want to how much retirement income you’ll need to be comfortable later in life.

Starting A Family

Once you have kids, your lives will dramatically change. You’ll need to have important conversations before having a child that revolve around a budget for childcare, where your children will go to school, and higher education. If you plan to help your children get through college, figure out how much money you need to save each month.

Supporting Each Other Through Retirement

This is where the comprehensive financial planning comes in. You may want to hire a professional financial planner to help you figure out how much money you’ll need in retirement, your living¬†will, and the legacy you’ll leave your children.

Even though some of these topics may be difficult to bring up, it’ll be worth discussing in the long run.