I hate to break it to romantics that “the one” doesn't magically appear with the same spending habits, family background and baggage as you.
From what I’ve seen, relationships in adulthood are often about choosing who you’re willing to ride through storms with – including tricky topics like finances.
So in the spirit of Valentine’s Day, we decided to slightly ruin the mood.
In this week’s special, we look at four common financial tensions young couples face, based on real concerns shared by my peers, and what relationship experts advise they do.
Quek Jie Ann
Young Audience Journalist
In this week’s issue:
Singapore’s median monthly household income rises above S$12,000
Here’s what went down at Budget 2026
Financial challenges young couples face
❓ An unromantic question
I almost miss the days when my friends’ biggest relationship problems were: “Do they like me?”
Now, we’re at the age where we stress about who in the relationship pays for dinner, whether a trip is “worth it”, and how much influence our parents should have over big decisions.
No matter how emotionally ready we think we’re for a relationship, there’ll always be challenges that sneak up on us.
So, I asked my peers: What are some unexpected financial problems of being in a relationship?
Here’s what they shared, along with excerpts from relationship experts I spoke to, which have been edited for clarity.
📈 Lifestyle inflation rates
Friend A:I met my partner in university, and back then our dates were cheaper.
Now that we’re both working, our spending has gone up – but not at the same pace.
I earn more, so I’m more comfortable with spending on nicer meals or holidays. However, my partner isn’t.
So, we’ve landed on a system where I usually top up the difference so she can still stay within her budget.
It works, but I’m not sure if this is sustainable.
Theresa Pong, founder and counselling director of The Relationship Room:
Differences in spending are usually related to one’s values and comfort with risk. Some see money as access to experiences, while others see it as building security.
Instead of debating numbers, talk about what those expenses mean to each of
you – freedom, rest, enjoyment or security.
Theresa Pong, founder and counselling director of The Relationship Room.
Violet Lim, co-founder and chief executive of Lunch Actually Group:
This is incredibly common, especially as careers grow at different speeds.
What helps is shifting the conversation away from “who pays more” and towards “what kind of life are we consciously choosing together”. Couples may want to agree on a shared baseline – a lifestyle that feels comfortable and sustainable for both.
If one partner wants something beyond that, talk about it upfront rather than assuming the other will stretch or quietly absorb the cost.
💸 Paying first turns into paying always
Friend B: I started working before my partner, so I offered to pay for most of our shared expenses at the start. I also liked earning credit card miles.
But now that he has begun working, the arrangement has stayed the same. I’m afraid to ask to split the bills because I don’t want to come across as calculating.
My growing credit card bill is stressing me out. What should I do?
Qi Zhai-McCartney, psychotherapist, coach and founder of Atlas Therapy and Coaching:
Being conflict-avoidant not only stresses you out more, you also rob your partner of the chance to know the real you. Our partners are not mind readers; they won’t know what we’re experiencing if we don’t tell them.
Additionally, just because something was done a certain way doesn’t mean it always has to remain that way. We tend to default to things just because they once worked. But people and circumstances change.
Not evolving is one of the biggest sources of resentment and conflict for couples, if they don’t constantly review and act in ways appropriate to the present reality of their relationship.
Qi Zhai-McCartney, psychotherapist, coach and founder of Atlas Therapy and Coaching.
😥 Financial insecurities
Friend C:My partner and I come from very different socioeconomic backgrounds, and that makes her feel insecure.
It doesn’t help that I’m also earning more than her. I try to reassure her but it doesn’t seem to work. Am I doing something wrong? How else can I help?
Lim: I see this a lot, especially among couples who genuinely love each other but come from very different financial starting points. Financial insecurities are often rooted in self-worth.
So, the most important thing is not to rush to “fix” things. Start by validating how your partner feels. When someone feels emotionally safe and genuinely respected in a relationship, money anxieties soften.
Additionally, watch out for small gestures such as brushing off expenses, always insisting on paying, or saying things like “it’s nothing to me”. They may be done with good intentions, but can unintentionally highlight the income gap.
Violet Lim, co-founder and chief executive of Lunch Actually Group.
👨👩👧👦 Family finances
Friend D: Both of my partner’s parents are retired, and he feels the pressure to support them. I understand that he needs to step up, but his family’s financial situation is also slowly spilling into our relationship.
I’m worried about how this will strain our relationship in the long term.
Lim: This is one of the hardest situations couples face, and empathy really matters here.
Family financial struggles often come with guilt, obligation and emotional pressure. The last thing your partner needs is to feel blamed for circumstances they didn’t choose.
Pong: First, acknowledge the emotional weight your partner may be carrying, then name how the situation affects you and focus on the shared impact this has on the relationship.
Discuss limits, timelines, and ways to support your partner’s family that are sustainable and won’t strain your relationship.
Zhai-McCartney: For such high emotional stakes conversations, avoid words like “you”, “your”, “never” and “always” because they sound accusatory, and prompt the listener to turn defensive rather than truly listening to your concerns.
Instead, try a gentler approach that focuses on “I”. After all, you’re only an expert on your own feelings, rather than on your partner’s family dynamics.
TL;DR
Differences in spending habits are related to one’s values and comfort with risk. To understand where your partner stands, talk about your differences up front
Avoiding conflict holds us back from evolving to meet our current relationship needs, which eventually bites back
Only when one feels safe and respected in a relationship will money anxieties soften
When in-laws enter the picture, approach conversations with compassion – the last thing your partner needs is to feel blamed for circumstances they didn’t choose
Here are the Budget 2026 announcements you need to know, summarised in 50 words or less.
📈 Investing
The Straits Times Index surpassed the 5,000 mark on Feb 12, following an extended streak of breakthroughs since last year.
Japanese stocks jumped to record highs after Prime Minister Sanae Takaichi scored a landslide win in Sunday’s (Feb 8) snap election. Meanwhile, the yen slid to 157.72 yen against the dollar, reaching its weakest level in two weeks.
🏢 Companies
Elon Musk has a new fixation: the moon. Musk says he wants to build an artificial intelligence satellite factory on the moon, marking a shift from his long-standing focus on Mars as SpaceX’s primary destination.
💼 Career
Over half of professionals, managers and executives (PMEs) in Singapore feel the need to upskill amid artificial intelligence disruptions, a National Trades Union Congress (NTUC) survey found.
Investment commitments made in Singapore in 2025 are expected to create 15,700 jobs over the next five years, and over two-thirds of these jobs are expected to fetch a gross monthly salary of above S$5,000.
Poll of the week
What’s the biggest money problem you have with your partner?
Everything in this newsletter is for your general information only. Consult a qualified financial professional or expert for independent advice and verification.
WE'RE HERE
AND HERE