When you and your partner commit to a future together, money will always be a key part of that journey. Yet, many couples struggle to have honest conversations about finances, often avoiding discussions on saving, investing, and wealth-building. This can lead to misunderstandings, financial stress, and even resentment. So, how do you and your partner align your financial habits and build wealth together—without conflict? In this blog post we will show you how you can strengthen your financial foundation and make the most of your money as a couple.

1. Start with Open Conversations About Money: Money is often a difficult topic in relationships, but avoiding the discussion can cause bigger issues later. Whether you both have steady salaries, run businesses, or earn from multiple streams, it’s important to be transparent about:

• How you each handle money—are you more of a saver or a spender?
  
  
• Your financial goals—buying land, starting a business, or building long-term wealth.
  
  
• Existing financial obligations—debts, bills, or responsibilities. By having these conversations early, you can plan your finances together rather than letting money become a source of tension.

2. Set Financial Goals You Can Achieve Together: Even if you have different approaches to money, setting shared goals ensures you are working toward the same financial future.

• Short-term goals – Saving for rent, an emergency fund, or travel.
  
  
• Long-term goals – Investing in mutual funds for stable returns while preparing for a home, a business, or future family expenses. With a clear plan, you and your partner can make financial decisions that align with your lifestyle and future aspirations.

3. Budget Together and Automate Your Savings: Managing household expenses can be overwhelming if you don’t have a clear structure. One of the best ways to keep track of your finances is by budgeting together and setting aside money for investments like mutual funds. How to do this effectively:
   
   • Use the 50/30/20 rule:

• 50% for essentials (rent, bills, groceries).
  
  
• 30% for personal expenses (entertainment, shopping).
  
  
• 20% for investments and savings (like ARM’s Money Market Fund).
  
  
• Automate contributions to your investment fund each month to ensure steady growth without worrying about discipline. Why ARM’s Money Market Fund?
  
  
• Low risk, steady returns – Your money grows without high exposure to market fluctuations.
  
  
• Easy access to funds – You can withdraw your money when needed without long delays.
  
  
• Competitive returns – Earn more than traditional savings accounts with the security of a well-managed fund.
• Start with ease – You don’t need a large amount to begin investing; small, consistent contributions make a big difference over time.

4. Respect Each Other’s Money Habits: One person might love saving every extra naira, while the other enjoys spending. Rather than letting these differences cause conflict, find common ground.

• If one of you is a spender, agree on a fixed monthly investment before spending on non-essentials.
• If one of you is more risk-averse, start small with a low-risk fund like ARM’s Money Market Fund to gain confidence before exploring other investments.

5. Make Joint Contributions Toward Wealth-Building: For true financial success, both partners must be actively involved in wealth-building. The easiest way to do this is by pooling funds into an investment that offers stability and growth, like mutual funds. Ways to contribute together:

• Set up a joint investment plan where both of you contribute monthly.
  
  
• Use ARM’s Money Market Fund as your emergency fund, allowing it to grow while remaining accessible.
  
  
• Invest a portion of any bonus, side hustle income, or extra cash instead of letting it sit idle.

6. See Money from Each Other’s Perspective: We all think about money differently. Some people feel the need to save aggressively, while others prefer enjoying their money in the moment. Rather than arguing about these differences, try to understand each other’s financial psychology and create a balanced approach. Simple ways to make it work:

• If your partner avoids financial discussions, break them into smaller, goal-oriented conversations.
  
  
• If your partner is overly cautious about money, track progress together and celebrate small wins to ease financial anxiety.
  
  
• Remember that money is emotional—align your financial decisions with shared priorities and values.
  
  Final Thoughts
  
  Building wealth as a couple requires teamwork, smart financial planning, and making the right investment choices. By leveraging mutual funds, you and your partner can grow your savings steadily, enjoy financial security, and work towards long-term goals—without the stress of market volatility.