Have an emergency savings account with at least six months of living expenses now or before you have children.
2.
Max out your Employee Stock Purchase Plan as long as you have at least a six-month emergency fund and diverse investments.
3.
A money crunch is the greatest source of stress most couples usually face.
4.
Agree that individual, extraordinary expenses will not be marital assets subject to division if you divorce. That agreement will go a long way toward stopping either of you from doing those things.
5.
Fund an equal Individual Retirement Account for each spouse or make it easy to transfer funds between them.
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