If you and your significant other avoid a money talk, experts suggest these tips:

Schedule regular money talks. Decide if checking in weekly, monthly or quarterly works best for you. Limit each session to 15 to 45 minutes.

Don't limit your discussion to saving and spending. Talk about your earliest memories about money. Did you feel financially secure as a kid?

Share your failures. Describe a personal financial failure and what it felt like.

Track, then talk. Track every penny that each of you spends for a month, then make that a topic for discussion.

Be kind. When talking about money, be respectful of each other. Don't label, blame or call names. Take turns talking and don't interrupt.

Get help if you need it. Consult a financial adviser, debt adviser or counselor if you reach an impasse.