Couples start marriages in debt—then argue about it. How can you avoid financial fighting?

It’s not uncommon for couples to stress about money. According to an Ohio Credit Union League 2019 consumer survey, 38 percent of Ohioans say finances have been a main cause of stress in their romantic relationship.

According to a study published in the scientific journal Couple and Family Psychology: Research and Practice, 50 percent of divorced couples interviewed listed financial problems as a major factor that contributed to their divorce. That puts financial problems third on a list of 11 contributing factors—behind only “too much fighting” and “lack of commitment.”

Couples struggling with debt have a higher propensity to argue about money than those who aren’t. According to a study by Ramsey Solutions, 41 percent of couples who have consumer debt say most of their arguments center around money. By comparison, 25 percent of couples who are debt-free say they argue about financial matters.

In fact, money doesn’t make the top-five list of things in which debt-free couples argue.

Unfortunately, an increasing number of American couples are beginning their marriages in debt—and doing it, willingly. The OCUL 2019 consumer survey shows that 57 percent of Ohioans believe finances should be combined when a couple marries. That leads to more income and assets, but also more debt. According to the Ramsey Solutions study, 86 percent of couples married five years or less reported starting their marital lives with debt. That’s compared to only 43 percent of couples married more than 25 years ago.

However, there’s good news for those couples living in the Buckeye state—Ohio couples fair better than any other state. According to a Value Penguin study, the average Ohio household has only $5,446 of credit card debt—the least of any state.

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