After the honeymoon, it's back to reality for newlyweds.
"You know these are people who aren't used to living together or doing their finances together. So, the big thing is communication so the left hand knows what the right hand is doing," Financial Adviser Tommy Wood said.
Wood said the first order of business is managing bank accounts.
"Sometimes folks can do a joint account. Sometimes it makes more sense to maintain separate accounts. Sometimes there can be a joint account then smaller separate accounts," Wood said.
Wood said there's no right or wrong way, just make sure each spouse is aware of where the money is and how it can be accessed.
Item number two is discussing debt.
"Making sure there is a plan to have that debt eliminated because the sooner that debt is eliminated the sooner that frees up those funds to be working towards folks long term goals," Wood said.
The third talking point is spending and saving habits.
"Two people come into this relationship, one of them is a saver and one of them is a spender. As with all different areas of marriage, there has got to be compromise between the two," Wood said.
Wood notes that newlyweds don't have to radically change each other, but they should agree on a middle-ground.
Topic number four is establishing financial goals.
"Working with a financial adviser to get that priority list and making sure those two, even if it is a compromise, that they both can be unified in knowing what that important list is," Wood said.
The key to succeeding with all four financial areas is clear and consistent communication.