From the time we begin to conceptualize how money and finances impact every facet of our lives, we are also faced with the uncomfortable realization that no one likes to talk about money. Issues surrounding finances and money are among the primary catalysts for family arguments, marital problems and divorce, failed business partnerships (no surprise there), and even dissolved friendships. So, why, if we know how important these issues must be to most of us that they result in so many ended relationships, would we not begin to address the root cause of these problems? Poor communication.

For most people, the best reasons to own a home have little or nothing to do with whether it's a good financial investment. Everyone desires a comfortable place to live and raise their family. Which house you choose, and how you pay for it, is not just an investment. First, it's a lifestyle choice.

Not only do many people not have a financial plan, many of them don't understand what such a plan should involve. One way to deal with this is to engage a qualified financial planner. Whether you take this route or go it alone, a financial plan should be the answer to issues raised by key questions about your future.

Some people—perma‐bulls—are always predicting that the stock market will go up, and others—perma‐bears—are always predicting that it will go down

Amid an engagement, it's easy for couples to overlook key financial points that can affect their financial security and their relationship. As couples plan their wedding, it's a good idea to do some foundational financial planning, as well.