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Navigating Finances in Marriage

Navigating Finances in Marriage

October 05, 2023

Today’s article focuses on some of the monetary issues that can creep into a marriage and cause frustration for CRNAs. Finances are often cited as a top reason for divorce and many couples will argue over money, so we want to make sure you’re addressing the potential minefields that might test your marriage. 

Whether you’re considering becoming an SRNA or have already embarked on your career as a CRNA, it is important to delve into finances early-on in a relationship which means initiating difficult financial discussions before you officially tie the knot. Understanding how your spouse or partner views money as well as their spending habits will make your conversations easier. It’s also a good idea to consider a prenuptial agreement. Many CRNAs get turned off by the idea of a prenup because it seems like you’re expecting the relationship to fail, but CRNAs earn a substantial paycheck which you want to protect in case people change later in life. 

To help your relationship, here are a few conversation topics we suggest CRNAs discuss prior to tying the knot.

  • First, establish a household budget and figure out what you’ll do with your finances. There’s no right answer, but will you combine everything, keep it all separate, or do some combination of the two? Establishing a budget will give savers and spenders peace of mind and help avoid arguments. 
  • Debt is another topic to tackle together. Whether it be consumer debt or student loans you’ve added during nursing school, getting your debt under control will also ease a lot of tension and anxiety.
  • Having a plan for your finances will also help tremendously. Planning allows you to start looking forward and focusing on how to use your finances to help you pursue the personal and career goals you’ve set for yourself. 
  • Finally, estate planning is another big conversation that needs to take place. Knowing your loved ones will be taken care of (and in accordance with your wishes) in the event something happens is vital. Doing the proper planning in advance will not only help protect your loved ones but also minimize possible headaches and conflicts after the fact.

When you begin to consider marriage, sit down and talk through finances with your partner. You want to go into a relationship on the best footing and good communication is at the core. Make sure you understand how your partner views money and vice versa and have a plan in place for how you’ll manage your finances going forward. It’s not going to work 100% of the time, but at least you’ll both be on the same page as things ebb and flow.

With decades of experience working exclusively with CRNAs, CRNA Financial Planning® has the knowledge to help you save more of your hard-earned money and plan for life after anesthesia. Schedule an introductory phone call to discuss your current situation and needs. You can also call our office at 855.304.3748 or email us at

The opinions voiced in this material are for general information only and are not intended to provide specific financial or tax advice or recommendations for any individual.
Investment Advice offered through Private Advisor Group LLC, a Registered Investment Advisor