16%新婚夫妇私藏小金库

The case for prenuptual agreements may have just gotten stronger: According to a new survey by credit-tracking company Experian, 16 percent of newlyweds admit they are hiding a financial account from their spouse¹. 

 

婚前协议的案例与日俱增。信用监测公司益博睿的一项最新调查显示，16%的新婚夫妇承认，他们瞒着另一半，偷偷藏着自己的小金库。

 

Of those with secret accounts, about 60 percent were men and 40 percent women. Men and women also differed in how much spending they said they'd be comfortable keeping from a spouse. While female respondents said they'd quietly cough up $383 on average, male survey-takers were willing to spend $1,259 without mentioning it to their better halves. 

 

Overall, nearly a third of people admitted to being relatively² clueless about their husband's or wife's finances before tying the knot. About two in five respondents said they didn't know their spouse's credit score, while about 30 percent were unaware³ of their partner's long-term financial goals or student loan debt. And a quarter didn't even know their spouse's annual income. 

 

"Obviously, some people do have things they want to hide," said Indianapolis-based financial planner Meredith Carbrey. "But a lot of couples just don't make the time to sit down and talk finances, or one person is hesitant out of fear their partner will judge them." 

 

Skipping that hard talk about money before getting hitched⁴ seems to have consequences. While newlyweds said their biggest financial goal was saving to buy a residence, about a third complained that their spouse's credit score has affected⁵ their ability to get a home loan. And nearly 20 percent have actually needed a co-signer for major purchases since walking down the aisle⁶. 

 

Credit headaches are only one financial problem the survey revealed. While about 40 percent of respondents said credit scores are currently a source of marital⁷ strife⁸, about a quarter cited budgeting and 20 percent blamed debt repayment⁹. One in three newlyweds said their spouse's spending habits are different than what they expected.

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