Talk Money Together: A Moola Guide for Couples

Use our psychographic survey to understand your financial personalities and build stronger habits as a team.

Money can be one of the toughest topics for couples to navigate. Different comfort levels with risk, decision-making speeds, or familiarity with financial concepts can quietly shape everyday choices—from how you save to how you invest.

The idea for this new conversation guide started over lunch last summer. I met with Moqi Groen-Xu, a Senior Lecturer of Finance at Queen Mary University of London, whose latest research explores how corporate finance concepts can help explain and inform household financial planning.

As we talked, we realized that in both her research and my work at Moola Money, we often see the same thing: many couples simply don’t talk about finances, even though money shapes nearly every part of their lives together.

That sparked an idea. At Moola, we already had built the Psychographic Assessment, a quick tool that helps people understand their financial personalities across three key dimensions. Together with the Moola team, I explored how we could build on that existing tool to help couples have better conversations about money.

The result is this conversation guide, designed to turn your individual survey results into a shared discussion and, ultimately, stronger money habits as a couple.

💌 Try this together: Before you read on, invite your partner to join you. It only takes a few minutes and can spark one of the most constructive money conversations you’ve ever had.

🧩 What This Is

This short guide helps couples use the Moola Psychographic Survey to reflect on their personal financial styles and talk about them openly.

The tool scores users across three core dimensions:

1. Risk & Decision Making – how comfortable you are taking financial risks

2. Future Orientation & Planning – how quickly you tend to make financial decisions, impulsivity vs. long-term thinking

3. Financial Awareness & Stability – your familiarity with financial concepts and products

4. Understanding these dimensions can help couples better align on shared goals, habits, and expectations.

📝 Step-by-Step Instructions

Take the Questionnaire (Separately)

Each of you should complete the Moola psychographic assessment [link here] on your own. Be honest, there are no right answers.

Compare Your Results

Sit down together and look at your scores. Where are you similar? Where do you differ?

Use the prompts below to guide your discussion.

Dimension 1: Risk & Decision-Making

What it measures: Your comfort with uncertainty and risk when it comes to money (e.g. investing, borrowing, trying new strategies).

Conversation starters:

• “What’s the riskiest financial decision you’ve ever made?”

• “Would you be OK with losing money temporarily if it meant better returns in the long run?”

• “How important is insurance to you, and how would you deal with a major unforeseen life event?”

• “How do we balance our risk levels if they’re different?”

Watch for:

Big gaps in risk tolerance. One partner might see investing as exciting, the other as stressful.

Dimension 2: Future Orientation & Planning

What it measures: Whether you’re a fast actor or prefer to reflect and research first.

Conversation starter:

• “What’s your process for making a big money decision?”

• “Do we ever frustrate each other with how fast or slow we decide?”

• “How can we agree on timing without either of us feeling rushed or stuck?”

• “When do you think you’ll retire or take a longer break from work, and do you expect me to support you financially in that phase?”

  
  

Watch for:

Tension between quick action vs. thoughtful planning. Use your styles to balance each other out.

Dimension 3: Financial Awareness & Stability

What it measures: Your confidence in navigating financial topics like savings, investing, or taxes.

Conversation starters:

• “What financial topics do you feel confident explaining?”

• “Where do you usually go to learn about money?”

• “Do either of us feel like we’re expected to ‘know more’, and is that fair?”

• “Are you open to changing your mind about certain financial decisions and what does that depend on?”

Watch for:

Assumptions about who should handle the money or “knows best.” This is a chance to support each other’s growth.

Final Reflection: Bringing It All Together

After discussing all three dimensions:

• What have you learned about each other?

• What financial goals or habits feel easier now? What still needs work?

• Do you think differently about your goals after the conversation?

• How easy or hard was it to have this conversation?

  
  

Agree on one action you’ll take together, like:

• Creating joint financial goals (check out our goal setter GPT journey here)

• Individually writing down your three top financial priorities and discussing them together

• Learning about an unfamiliar topic together

  
  

We’d love to hear about how the experience was for you and your partner. Feel free to send us any feedback on your experience at support@moola-money.com!