The Surprising Late-Night Conversations That Keep Couples Together

Illustrated by Jasmin Valcourt.
By Cathie Ericson

The dishes are done. The work emails have petered out. And, the kids are (gasp!) asleep.

Now that there's some peace and quiet, it's the perfect time to snuggle up to your sweetie and… talk finances?

Although that may seem like the least romantic thing to do when you and your partner finally have some alone time, it's actually a good way to build financial intimacy, says Jeff Motske, a CFP® and author of The Couple’s Guide to Financial Compatibility: Avoid Fights about Spending and Saving—and Build a Happy and Secure Future Together.

"The bedroom can be a good spot for a financial discussion, as long as it's a comfortable environment where both can be transparent," Motske says. "We know pillow talk is usually reserved for your most personal conversations — so this fits right in."

In fact, bedtime may be an opportune time to talk money, in light of a National Foundation for Credit Counseling survey that shows 80% of people say their personal finances keep them up at night.

So, if you and your partner can rest a little easier by dealing head-on with some of those financial fears together, why not take advantage of this time to build communication and trust?

To give you some inspiration, we've rounded up real money conversations couples have tackled in bed, from child care to career changes to tight budgets.