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When Kristi Sullivan quizzed her husband about how much money she made last year, the Denver financial planner was shocked to discover he was off by a wide margin.

Although they have been married for 18 years, with two kids, her hubby missed the mark by $8,000.

"He should have known, because I told him once," 43-year-old Kristi said with a laugh. "But I'm not sure that men always listen."

And that's in a power marriage of a certified financial planner and a management consultant. Imagine how clueless the rest of us are about our partners' finances.

Boston-based money managers Fidelity Investments asked that very question in its just-released 2015 Couples Retirement Study. It found that an amazing 43 percent of people could not say what their partner earns.

Most couples claim to communicate about money exceptionally well, notes John Sweeney, Fidelity's executive vice president of retirement & investing strategies.

"Despite that, 10 percent of people guessed [the salary of their significant other] wrong by $25,000 or more," Sweeney said.

A changed economy

Before we scoff at clueless partners, though, think about the nature of the modern economy. Within a few years, an estimated 40 percent of the workforce will be comprised of contractors, freelancers or temp workers, according to a study by software company Intuit Inc.

And as any freelancer knows, income can be wildly different from one month to the next — just as it is for Kristi Sullivan, a fee-only planner who does not know her annual earnings "until December 31."

"Our grandparents worked at a company for 40 years and brought home steady paychecks," said Sweeney. Today's economy is project-based, "which makes predicting income extremely hard," he noted.

Partners may be guessing off-the-mark for legitimate reasons, but couples are not where they need to be, either in understanding their finances, or each other. The reason often comes down to deep-seated emotions, experts say.

"A lot of it is about fear," said Elle Martinez, the Raleigh, N.C.-based founder of CoupleMoney.com and host of the Couple Money podcast on iTunes. "Maybe you are embarrassed about your salary, or maybe you have debts."

How can people get more comfortable with ­sharing numbers with their significant others?

Joining forces

Step one is basic transparency. Have at least one joint account to handle everyday expenses and monthly bills, for example. And going over the joint tax return before April 15 will provide the headline numbers of what each partner is bringing in.

To get a real money conversation started, one clever strategy is very Zen. If you want to know about wages, don't come right out and ask. Instead, go at the issue indirectly.

"I know it sounds counterintuitive, but talk about your goals instead," says Martinez. "Something ­simple, like wanting to go on vacation next year."

Then you can get into where you are right now financially, and how you can achieve that goal together, Martinez said.

Interpersonal habits can be hard to break, though, especially when you've been in a relationship for many years. In those cases, consider drafting a third party to broach issues you're not comfortable bringing up on your own.

Your financial planner or accountant, for instance, can give both of you financial updates that can fill in any blanks. After all, both partners deserve to know where things stand financially, even if one of you tends to handle the bills or the investments.

If you don't have such a support team in place, here's another simple option: Take Fidelity's nine-question Couples Quiz at http://bit.ly/1KaijtD. A sample question: "Your favorite store is having a blowout sale. What will you do?"

"It's a great icebreaker," says Sweeney. "Often after they take the quiz, we get partners saying to each other: 'I never knew you felt this way.' "

Above all, don't assume. It's natural to make assumptions about how much money someone makes, based on how they tend to spend.

That, however, doesn't mean a lot. When Elle Martinez and her husband finally had a big money conversation, each of them got a bombshell. She had fairly large debts, and he wasn't earning nearly what she was.

"Without having that money talk, we would have kept on making assumptions," she said. "It was an eye-opening experience."

Chris Taylor writes for Reuters.