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In a marriage, do you think one person should handle the finances, or both?

In marriage, a lot of the decisions that a couple will make will be based on their personal preferences, and the strengths and weaknesses that the husband and wife have individually.

Some of us are naturally good at managing money, but some of us are poor at managing money.

If a husband (or wife) is poor at managing money, and the wife (or husband) is good at money-management, it makes sense that the wife (or husband) should be in charge of their finances, or at least carry more weight in the ultimate decisions they make.

Let the spouse with the most strength, talent and ability for money-management make most of the decisions, or at least allow their influence to play a greater role in the family's financial decisions.

If it isn't clear who is better at money-management, you'll need to gain more marriage experience, make compromises and handle your finances together - Eventually though, I think it will become clear who makes the best financial decisions, especially after 8 to 15 years of marriage.

P.S. I don't think an equally split 50-50% talent for money-management between couples is common, but if it happens, both the husband & wife should be able to manage their money together, with equal say and seamlessly.


It depends on the skills and talents of the people in the marriage. Let's look at some examples of how it could/should go:

Neither is good with finances

If neither of the spouses is good with handling finances, they're going to have to work together to make sure bill gets paid and things are handled properly. This could be an opportunity for them to grow closer together as they face the challenge. As aptitude increases, the duties can be separated if that works better for the couple. If it makes more sense to keep working on it together, then the couple should schedule time to make sure everything gets addressed.

Only one spouse is good with finances

In this case it might make more sense for the spouse who is better with finances to handle those responsibilities. One of the benefits of being in a marriage is the strengths of both individuals can be used to help the couple. Trust is required as the other person has to believe things are being dealt with properly. However, as long as the person handling the finances fulfills the responsibility faithfully, there shouldn't be an issue. It could also be a way for the one spouse to teach the other about proper management of finances. Again, it's an opportunity for bonding as a couple.

Note: The spouse that is not normally handling the finances should be kept up to date. Even if they don't understand all the transactions and figures, they should know where the money is kept. (i.e. retail banking at Bank of America, Retirement account at Charles Schwab, crypto investments held in a paper wallet that is stored under the old oak tree)

Both spouses are good with finances

In the instance that both individuals are great at handling finances, the couple has multiple options. They can:

  • Each manage the books and thereby double-check each other's work
  • Divide the responsibilities
  • One person handles it
  • Trade off

The most important thing is communication. It's important to make sure the other person knows what is expected of them. By having a couple where both members are adept at financial management, the couple has a better chance of keeping things from falling through the cracks. 

Whatever the couple decides, all the responsibility shouldn't fall on one person, even if they're the one who's good at finances. The other person needs to educate his/herself enough that they can help make decisions that will best position the couple to succeed. 

tl;dr It's up to the couple to decide if/how they want to split things up. Communicating expectations is critical for ensuring things aren't overlooked. Each person should know what's going on, even if they're not completing the finer details. 

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Ok so marriage is a partnership between two people over the course of the rest of their lives, it's a union between two people who want to spend the rest of their lives together.

I want you to go through that last paragraph again and tell me if you saw anything about only one person. Like I said marriage is a partnership and if both parties earn an income then both parties should contribute to the finances of that relationship.

The fact that some people feel it's the man's job alone to provide for the family is one of the reasons why gender inequality is still thriving in the world. There is no reason why a woman cannot and shouldn't contribute to the finances of a marriage. In a case where the woman earns more than the man, what happens then?? Most people are probably going to fall back to the age old saying "His money is our money, but my money is my money" which implies that a woman's money is hers but her husband's money belongs to her and her husband, but that's not true. In a marriage money should never be something is divided, each person should make known their income and they should decide how much of it they'll contribute.

Let me be clear though, the financing of the family should only be in the hands off or responsibility of one person when the other person isn't making any income of their own. As long as both parties are making an income, then no matter how small one person's income is, unless agreed on by both parties, both sides should contribute a portion of their income to run the family.

The decisions that are made should be mutual and no one person in the family should be the one to decide how money is spent or what should be done with money. The couple should decide these things together or at least have an understanding as to who decides how much money should be spent on certain issues.

Things like power bills and water bills can be handled by one person while things like food supplies and taxes and mortgages can be handled by the other person. Letting one person handle everything can be risky because if something happens to that person then things might become extremely difficult for the other.

I strongly believe that money and finances should be handled by both parties in a marriage, because both parties are meant to contribute evenly to the welfare of the marriage, it shouldn't be one-sided. Even if only one person is earning an income, the decision making on how that income should be spent should be made between both parties.

I hope this helps.


As the popular saying goes' Different strokes for different folks'.

Let me note here that I am going to take handling the finances in its full ramification of not just only actually paying the bills but also the decision making on finances as well as every other aspect that has to deal with finances.

Inasmuch as marriage is clearly a union of two individuals coming together to become one both in mind, soul and body, understanding has and always will be the predominant factor.

Coming from a family were both parents earn and take decisions together, I strongly do believe that finances should be handled by both parties and I have personally seen the benefits and reward of this action.

The mutual decision making not only enhances the respect and bond for each other, but it definitely also does help build trust between partners knowing that they can rely on one another at any point in time to do the right thing. ( Or at least in the case of the finances). Not to mention, it reduces the stress on the party who has to handle and makes him/her less prone to mistakes or not so wise decisions.

However, I do know certain individuals who are comfortable with only one person handling the finances(both the spending as well as the decision making) because of the amazing level of understanding between them and perhaps other factors not to be disclosed by them.

I truly hope this helps..


I think that many couples can find a good balance about who handles the finances.  When I was a kid, my mom and dad paid the bills together every Friday night.  It was a great example of how you can work together to have a budget and stick to it. 

My wife and I are quite different.  My wife prefers to not have anything to do with the bills.  She trusts that I am going to do what is best for our family.  I always make sure I keep her in the loop about what is happening though so that we are on the same page. 

I would never want to keep anything from her or do something without her being on board.  Working on budget together even if you don't both handle the finances can make sure you both have the same goal in mind. 

Marriage is a team sport and keeping everyone playing from the same playbook is very important.


I would say it has to be BOTH.

We are already living in a world where every aspect of our lives (married life) has no boundaries or limitation. Both husband & wife are now able to work at the same time. There are instances that a couple will swap places ~ the wife is working while husband is taking care of the home / children.

Handling our own finances should be done as early as possible, even when we are still single. And so by the time that a couple became married both of them should have a contribution and a clear idea on how to handle both of their finances whether their own personal finance or their conjugal finance matters.


Both. Having only one person manage it leaves you in a risky situation if that person ends up being irresponsible. While with both managing it, there's transparency the entire process, so you are both co-reponsible for making sure it all works out. 


Well i believe in the saying that "it takes two to tango" so i believe that in marriages that couples should both handle the finances and every other aspect in the marriage,i believe that the husband and wife should come together and work together to make the marriage successful,finances is among factors that is very important in marriages so it should handled with care and determination from the two partners...


There are many ways to do this successfully. What suits one couple may not be right for another. A common way to do things is to have the husband pay the large regular bills such as mortgage and utilities and also everything automobile-related. The wife covers day-to-day things such as grocery shopping and also things like clothes and interior decoration. That way of doing things falls in line with what the sexes tend to be interested in. 


 And while money should not be the sole reason for  matrimony, couples with two incomes can usually afford a better  lifestyle than singles. Their combined ability to achieve financial  stability and creditworthiness, realize greater buying power, and  prepare for a better retirement are all incentives to say, I do. Two  are better than one; because they have a good reward for their labour.