After getting married, one of the first things Zola couples do is open joint bank accounts and credit cards. Doing so makes it easy to pay shared expenses, deposit cash received for your wedding, and lay the foundation for your financial future together as a couple. But for some, merging finances comes with a lot of questions (and maybe a little anxiety): should you combine all of your accounts, or leave some separate? How does one person’s student loan debt or bad credit affect the other? Before you begin stressing, remember that this is a good step in your relationship—it’s important that you and your new spouse become comfortable discussing money matters honestly with each other. To learn how to save money together for the future, read these expert tips on merging finances with your spending-partner-for-life.

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