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The true cost of avoiding talking about money with your significant other.

Not talking about money can seriously damage an otherwise healthy relationship.

The true cost of avoiding talking about money with your significant other.
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TD Ameritrade

Only a couple of years ago, the idea of sharing how much money you make with your colleagues or friends was one of those taboos that you just don’t mess with.

But recently, there’s been a huge conversation about getting those numbers out in the open.


When salaries are public, it helps everyone have more honest conversations about what they should be making. And it especially helps women and people of color, who tend to make less than their white male counterparts.

Yeah, you might want to talk if your partner carries their money around like this. Photo via 401(K) 2012/Flickr.

But when it comes to being that transparent with a romantic partner, it can seem even more tricky ... but why?

Despite the slowly turning tide in the professional world, there’s still a lot of stuff we keep to ourselves when it comes to money and our personal relationships.

For many couples, deciding how to split the check is the most involved money conversation they have regularly.

Not talking about money — or worse, lying about money — can seriously damage an otherwise healthy relationship.

Consider these facts:

About a quarter of American couples actively avoid talking about money. 31% of married people have lied to their spouse about money. And only 51% of couples talk about how they will manage their money before getting married.

That's huge!

How you feel when you talk with your partner about money. GIF via "Broad City."

Not talking about money — or worse, lying about money — can seriously damage an otherwise healthy relationship.

In fact, a 2013 study found that not being on the same page about money is the #1 predictor of divorce.

"It's not children, sex, in-laws or anything else. It's money — for both men and women," said Sonya Britt, who led the study.

This doesn't count as a conversation about money. GIF via "Parks and Recreation."

Britt and her colleagues studied 4,500 couples in different financial circumstances and found that money tension was a major factor in relationship dissatisfaction. Regardless of income level, amount of debt, or net worth, couples who didn't deal with their money issues were putting their marriages at risk.

On the other hand, research by TD Bank found that partners who talk about their finances openly and honestly tend to have happier relationships.

The bank polled 1,339 Americans who are in relationships and found that "among respondents who said they talk about money at least once per week, 42 percent described their relationship as 'extremely happy,' compared with 27 percent of those who talk about money less than once per month and 38 percent of all respondents."

The elephant in the room — whether it's consumer debt, incompatible spending habits, or a miscommunication about savings goals — is going to be there whether you acknowledge it or not.

That's why both financial and relationship experts say that talking about money is crucial for healthy partnerships.

Talk to your partner about your wishing-well budget. Photo via Paulo OrdovezaWikimedia Commons.

It's not a complete surprise that couples tend to put off conversations involving their finances.


You and your SO after a great money convo. GIF via tr1ppy-j/Tumblr.

Almost all of us have some hang-ups about money, whether that's shame about not making enough, fear of student debt catching up to us, or just your run-of-the-mill compulsive online shopping habit that you'd prefer to keep from your partner (other people have those, right?).

And that's OK!

The important part is that you and your partner work through those issues with openness, kindness, and patience.

(And maybe a bottle of wine. Totally optional, but I've found it helps with money convos with the significant other.)

Simon & Garfunkel's song "Bridge Over Troubled Water" has been covered by more than 50 different musical artists, from Aretha Franklin to Elvis Presley to Willie Nelson. It's a timeless classic that taps into the universal struggle of feeling down and the comfort of having someone to lift us up. It's beloved for its soothing melody and cathartic lyrics, and after a year of pandemic challenges, it's perhaps more poignant now than ever.

A few years a go, American singer-songwriter Yebba Smith shared a solo a capella version of a part of "Bridge Over Troubled Water," in which she just casually sits and sings it on a bed. It's an impressive rendition on its own, highlighting Yebba's soulful, effortless voice.

But British singer Jacob Collier recently added his own layered harmony tracks to it, taking the performance to a whole other level.

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Images courtesy of John Scully, Walden University, Ingrid Scully
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Since March of 2020, over 29 million Americans have been diagnosed with COVID-19, according to the CDC. Over 540,000 have died in the United States as this unprecedented pandemic has swept the globe. And yet, by the end of 2020, it looked like science was winning: vaccines had been developed.

In celebration of the power of science we spoke to three people: an individual, a medical provider, and a vaccine scientist about how vaccines have impacted them throughout their lives. Here are their answers:

John Scully, 79, resident of Florida

Photo courtesy of John Scully

When John Scully was born, America was in the midst of an epidemic: tens of thousands of children in the United States were falling ill with paralytic poliomyelitis — otherwise known as polio, a disease that attacks the central nervous system and often leaves its victims partially or fully paralyzed.

"As kids, we were all afraid of getting polio," he says, "because if you got polio, you could end up in the dreaded iron lung and we were all terrified of those." Iron lungs were respirators that enclosed most of a person's body; people with severe cases often would end up in these respirators as they fought for their lives.

John remembers going to see matinee showings of cowboy movies on Saturdays and, before the movie, shorts would run. "Usually they showed the news," he says, "but I just remember seeing this one clip warning us about polio and it just showed all these kids in iron lungs." If kids survived the iron lung, they'd often come back to school on crutches, in leg braces, or in wheelchairs.

"We all tried to be really careful in the summer — or, as we called it back then, 'polio season,''" John says. This was because every year around Memorial Day, major outbreaks would begin to emerge and they'd spike sometime around August. People weren't really sure how the disease spread at the time, but many believed it traveled through the water. There was no cure — and every child was susceptible to getting sick with it.

"We couldn't swim in hot weather," he remembers, "and the municipal outdoor pool would close down in August."

Then, in 1954 clinical trials began for Dr. Jonas Salk's vaccine against polio and within a year, his vaccine was announced safe. "I got that vaccine at school," John says. Within two years, U.S. polio cases had dropped 85-95 percent — even before a second vaccine was developed by Dr. Albert Sabin in the 1960s. "I remember how much better things got after the vaccines came out. They changed everything," John says.

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