Love & Money (PART 2): How to Set Relationship Goals That Include Financial Wellness
💖 True relationship goals aren’t just about romantic getaways—they’re about building a life that aligns with your dreams and values.
After having those important money conversations in the previous post, it’s time to turn your insights into action. Setting relationship goals that include financial wellness is a powerful way to strengthen your bond and reduce future stress. Here’s how to do it.
Step 1: Define Your Shared Vision
Start by imagining your dream life together. Where do you see yourselves in five, ten, or twenty years?
Ask each other:
What does financial freedom mean to us?
How do we want to spend our retirement?
What kind of experiences do we want to prioritize (travel, family time, etc.)?
Action Step: Write down your shared vision and break it into short-term and long-term goals.
Step 2: Set Clear Financial Goals
Use the insights from your previous money conversations to create practical, achievable goals.
Examples:
Short-term: Save HK$50,000 for a holiday this year ✈️
Medium-term: Pay off all debt within two years 🏦
Long-term: Buy a home and retire by 60 🏡
Pro Tip: Break down each goal into actionable steps and assign deadlines.
Step 3: Build a Couple’s Budget
A budget helps you allocate resources toward your goals while giving each person room to spend without guilt.
How to Create a Couple’s Budget:
List your combined income and expenses.
Prioritize your shared goals first.
Allocate some “fun money” for each person to spend as they wish.
Try the 4-1-2-1-2 Rule:
40% for living expenses
10% for insurance
20% for savings and investments
10% for lifestyle and entertainment
20% for self-development
Step 4: Regularly Check In
Life changes—so should your plan. Schedule regular “money dates” to review your progress, celebrate wins, and adjust your strategy.
Love, Money, and Building a Life Together
At the end of the day, financial wellness is about creating freedom—the freedom to live the life you both dream of. By setting relationship goals that include financial planning, you’ll build trust, reduce stress, and grow stronger together.
💡 Need help creating your plan? Book a free 30-minute consultation, and let’s map out a financial strategy that works for you and your partner. 💬
