21 Magic Money Prompts for Couples

Why These 21 Prompts Can Transform Your Marriage

As a CERTIFIED FINANCIAL PLANNER™ and founder of The Richness Academy, I’ve worked with hundreds of Indian couples—doctors, entrepreneurs, IT professionals, retired couples, newlyweds, and even those navigating divorce.

Regardless of income or background, one thing always becomes clear in our sessions:

Money is never just about numbers—it’s about what it reveals.

It reveals values, beliefs, fears, power dynamics, trust, childhood wounds, and dreams. That’s why I created these 21 Magic Money Prompts—to help couples go beyond budgets and into meaningful, shared financial conversations.

These prompts have helped couples:

• Save marriages
• Shift from chaos to clarity
• Build assets from scratch
• Gain back control of their financial story

Now, I want you to experience the same transformation.

Let’s begin—together.

⸻

21 Magic Money Prompts for Couples

With Real Stories from My Coaching Practice

⸻

1. What assets are we building together?

I remember a young couple from Jaipur—earning well but had nothing to show. Their savings were parked in FDs and gold jewelry. We redirected those into SIPs, a joint emergency fund, and finally—term plans. Twelve months later, they proudly shared, “We finally feel like partners in growth.”

⸻

2. Is our house helping our cash flow—or trapping it?

A Noida-based couple had sunk everything into an under-construction flat. EMI + rent = ₹88K/month. No liquidity. I helped them rent that property out and downsize their lifestyle. Result? Freedom and a ₹35K monthly surplus for investing.

⸻

3. How financially educated are we—beyond our degrees?

A doctor couple from Pune once said, “We can save lives, but we’re clueless about money.” That hit hard. I coached them over 6 sessions—from compounding to STPs—and now, they’re teaching their kids about SIPs at dinner time.

⸻

4. Do we work only for money—or does our money work for us?

One couple in Mumbai earned ₹40L annually but lived paycheck-to-paycheck. We set up auto-SIPs, dividend funds, and mapped a passive income goal. Within 18 months, they were earning ₹1.2L annually from investments—without lifting a finger.

⸻

5. Are we investing in ourselves as a couple?

A Bengaluru couple had no budget for growth. Everything went into bills or gadgets. I asked them to invest ₹10,000 each in something new—he learned digital marketing, she joined a coaching program. Today, they co-run a small consulting business from home.

⸻

6. Can both of us read our financial statements?

A woman from Lucknow broke down during our session. Her husband had fallen ill, and she had no idea about their policies or investments. That day, we began her financial literacy journey. A year later, she’s the one coaching her friends on choosing mutual funds.

⸻

7. Are we building systems—or just surviving bills?

One Delhi couple earned handsomely—₹3L/month—but couldn’t explain where the money went. We introduced them to a “Couple Budget Framework,” fixed monthly money dates, and automated savings. Within 90 days, they had ₹90K in their new “Future Fund.”

⸻

8. Do we use debt to build income—or to buy comfort?

A Gurgaon couple had ₹13L in EMIs—mostly for a high-end SUV and a vacation loan. We realigned their thinking. They sold the car, rented it back on weekends, and used the freed-up funds to invest. Today, that investment pays for their next car—outright.

Also read: How is this Money Triangle Important for Couples Finance Formula™?

⸻

9. Do we pay ourselves first?

This is my favorite rule. I coached a newlywed couple to treat savings like a monthly EMI. They set up a ₹20K SIP auto-debit. “It feels like we’re paying our future,” they laughed. A year later, that fund paid for their first anniversary trip to Sikkim—guilt-free.

⸻

10. Are fear or ignorance stopping us from building wealth?

A client from Kolkata had ₹15L sitting in savings, too scared to invest. We demystified equity, risk, and compounding. Today, that same client is on track to retire 8 years early—with confidence, not fear.

⸻

11. What truly puts money in our pocket?

A couple in Chennai ran a boutique but barely broke even. In our clarity session, we discovered their real value was in workshops. We restructured their business—and now, their Sunday training sessions bring in more than weekday sales ever did.

⸻

12. What’s our passive income goal—and how are we creating it?

I ask every couple: “If you stopped working tomorrow, how long would your money last?” One engineer duo set up monthly income plans, and now their passive income matches 60% of their lifestyle. They’re on track to FIRE (Financial Independence, Retire Early).

⸻

13. Do we have a plan beyond our job?

COVID taught this the hard way. One couple, both in aviation, were laid off. Because we’d created a multi-source plan earlier, they had zero panic. Today, one teaches aviation online, the other opened a bakery—and both are financially free from 9–5.

⸻

14. How much tax are we legally saving—and how?

A CA couple had overlooked a simple HUF structure. I stepped in, and we saved ₹1.8L in taxes that year. They used that money to take their children to Dubai. Tax planning isn’t boring—it’s empowering.

⸻

15. How often do we learn something new—together?

One couple from Ahmedabad made it a ritual to join my quarterly masterclasses. “It’s our intellectual date night,” they told me. That learning not only made them wealthier—it made them wiser.

⸻

16. Do emotions control our spending—or do we?

A homemaker from Jaipur shared that she shopped online whenever she felt ignored. Her husband listened, really listened. They introduced a weekly “Couple Budget Chat,” and gave each other ₹5K/month guilt-free. Spending became conscious—and arguments stopped.

⸻

17. Are we broke—or just temporarily stuck?

A freelancer couple from Pune were facing a dry patch. They felt “poor.” I reminded them: “You’re not poor—you’re under construction.” That reframing gave them strength. Two years later, they’re debt-free and mentoring others.

⸻

18. Do we buy luxuries after income—or before?

A couple once shared proudly about their new iPhone 15s—on EMI. But they hadn’t started an emergency fund. We restructured priorities. Six months later, they bought a phone outright—with profits from an equity fund.

⸻

19. What risks are we not taking—because of fear?

A woman in Delhi had a viral food blog but was afraid to monetize it. I gave her a goal and structure. Today, her YouTube income funds her children’s school fees. Risk isn’t bad—if it’s informed.

⸻

20. How financially intelligent are we?

I once asked a retired couple to explain compounding. They couldn’t. We spent 2 sessions demystifying it. Two months later, they explained it at their housing society club! Intelligence compounds—just like money.

⸻

21. Do we have a system to protect our wealth?

A woman in Gurugram couldn’t claim her late husband’s fixed deposit because there was no nominee. Since then, I insist every couple create a “Wealth Safety File”: wills, passwords, nominees, insurance—all in one place. Peace of mind is the real legacy.

⸻

Summary Table for Couples

Prompt Category What It Unlocks Outcome

Emotional Fear, guilt, and ego patterns Deeper intimacy

Financial Spending, income, asset gaps Actionable clarity

Strategic Long-term protection & planning Confidence, direction

⸻

How to Use These Prompts in Your Relationship

• Choose one prompt every week (e.g., every Sunday morning).
• Sit together—no phones, no judgement.
• Reflect and respond.
• Write it down in a Couple Wealth Journal.
• End with one simple action (e.g., open a SIP, cancel a credit card, read a blog).

This 21-week journey can transform not just your wealth, but your marriage.

⸻

Certainly! Below is the text version of your 21 Magic Money Prompts Quiz for Couples, including the scoring guide and interpretation. This is perfect for including in your blog, journal, or print workbook.

⸻

21 Magic Money Prompts Quiz for Couples

Answer “Yes” or “No” to each of the 21 questions below.

Each “Yes” gives you 5 points.

At the end, total your score out of 100 (maximum).

Use this quiz to reflect as a couple and find out how financially aligned you really are.

⸻

The Quiz

1. Do you both know what assets you’re currently building together?

2. Do you discuss whether your house is helping or hurting your financial goals?

3. Are you both financially educated beyond your academic degrees?

4. Have you set up any systems where your money works for you (e.g., SIPs, investments)?

5. Do you both invest in your self-growth regularly (courses, coaching, books)?

6. Can both partners read and understand bank/investment statements?

7. Do you have a structured monthly savings or budgeting system in place?

8. Do you use debt strategically to build wealth (e.g., business loan, property) instead of consumption?

9. Do you pay yourselves first—save/invest before spending?

10. Do you openly address financial fears or gaps in money knowledge together?

11. Do you know which income stream is your most profitable (active or passive)?

12. Have you started building any passive income streams as a couple?

13. Do you have a plan beyond your current job(s)?

14. Are you actively minimizing taxes using legal strategies?

15. Do you attend financial workshops, read finance books, or learn together as a couple?

16. Do you consciously manage emotional or impulse spending together?

17. Do you believe that financial setbacks are temporary—not a reflection of your worth?

18. Do you prioritize investments before purchasing luxuries?

19. Do you take informed, calculated financial risks together?

20. Do you understand key concepts like compounding, inflation, and diversification?

21. Have you created protection systems like nominees, wills, health and term insurance?

⸻

Score Yourself

• Total Score = (Number of “Yes” responses) × 5
• Maximum Possible Score = 105
• For ease, use the guide below based on a 100-point scale.

⸻

Score Interpretation

81–100: Financial Soulmates

You are aligned, aware, and working as a team toward your financial freedom. Keep up the great habits—and teach others!

61–80: Growing Together

You’re doing many things right. With just a little more intention, clarity, and planning, you can reach the next level.

41–60: Needs Clarity

You’re trying—but likely facing confusion or gaps in systems, trust, or communication. Now’s the time to structure your conversations and take guided action.

0–40: Financial Strangers

You’re on completely different pages—or avoiding money talk altogether. This could lead to conflict. Start now. Get help if needed. Your future depends on it.

⸻

What To Do Next?

Pick 3 “No” answers and schedule a Money Date this week to discuss them.

Start a shared journal to track your progress on these 21 prompts.

Join the Couple Finance Formula™ Webinar for tools, worksheets, and real stories from Indian couples who transformed their lives financially and emotionally.

⸻

BONUS: Start Your Richness Journey Today

Join my free Couple Finance Formula™ Webinar

You’ll discover:

• 6 Richness Anchors™ to build couple wealth
• Ways to identify your financial personality as a couple
• Real case studies of transformation

⸻

Taresh Bhatia, CFP®

CERTIFIED FINANCIAL PLANNER™

Founder – The Richness Academy

Email: taresh@tareshbhatia.com

Website: www.tareshbhatia.com

📢 Join free live webinar —
Couple Finance Formula™ Register here