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How to Have the Money Talk Before (and After) Marriage

A useful money conversation covers income, debt, dependants, giving, account structure, property, insurance, wills and what each partner expects to remain private or shared.

What to check

Exchange accurate numbers, agree bill ownership, name emergency contacts and decide how both partners can access essential records during incapacity or death.

What could change the answer

A joint account does not solve unequal information or financial control. Nigerian property and inheritance outcomes can also depend on title, marriage regime and state law.

A practical next step

Write a one-page household agreement and revisit it after major income, housing or family changes.

Reviewed 2026-09-09