Recent research commissioned by fintech platform Current and conducted by Talker Research reveals that money matters are a major factor in how younger adults approach romance. Among Gen Z respondents, a striking 78% say a partner’s salary plays a role in whether true love is possible.

Credit history matters more than income

Financial planners stress that credit behavior can be a clearer indicator of responsibility than income alone. “A credit score is a behavior report, and behavior is exactly what you should care about in a partner,” says Doug Boneparth, a financial planner and author of Money Together. He notes that a credit score shows whether someone pays what they owe, how much they have borrowed, and whether they have recovered from past financial setbacks.

Thomas Balcom, a planner in Lighthouse Point, Fla., adds, “It is much easier to ask someone their credit score than to ask them their salary or net worth. A credit score provides a quick snapshot into someone’s financial life without being too intrusive.” He suggests that knowing a partner’s credit health can help avoid “stepping on a figurative land mine” later on.

Breakups often stem from money issues

The survey also found that 15% of all respondents said money issues directly led to a breakup, with the figure rising to 25% among Gen Z. This underscores the importance of early, honest conversations about finances.

Practical tips for couples

• Consider credit history, not just salary. A high income can coexist with massive debt, while modest earners may live within their means.
• Don’t fixate on a perfect score. While an 850 is the ideal FICO score, a 740 or higher already grants favorable lending rates. A secured charge card can help improve a lower score.
• Use credit information to understand a partner’s story. Boneparth says a 620 with an honest explanation and a plan beats a 780 score from someone who won’t discuss finances.
• Merge money lives thoughtfully. Couples can choose to combine accounts, keep assets separate, or blend approaches, but should discuss credit histories before major purchases like a home.
• Timing is key. While a first‑date money quiz would be off‑putting, discussing finances before moving in, marrying, or making large purchases helps build a habit of open dialogue.

Easton Price, a planner in Irvine, Calif., notes that many cohabiting couples already co‑sign leases and split bills, making it essential to know each other’s financial starting point to avoid future stumbling blocks.

This story was produced by Current and reviewed and distributed by Stacker.

Original reporting: Texarkana Gazette — read the source article.