It’s hard to talk about money—and it’s even harder to talk about money issues with your partner.

Filipinos consider financial realities as a main factor in building relationships. A 2023 study by the Commission on Population and Development said that Filipino couples often prioritize financial stability before considering marriage. In any successful relationship, trust and communication are essential—specifically, making sure that you and your partner can freely talk about your finances. Whether you’re married, in a long-term relationship, or just starting out, it’s never too early to talk about your financial goals.

Here are some practical tips to help you and your partner build a secure financial foundation—whatever stage in life and relationship you are at—with ease:

1. Map out a shared vision. When talking about your shared life goals, focus on the what and the why behind the vision of your life together. Whether it’s homeownership, early retirement or starting a family, understanding each other’s dreams is the first step. These conversations will open up opportunities for you to discuss how you will achieve these shared plans.

2. Set SMART financial goals. Break dreams into Specific, measurable, achievable , relevant and time-bound. Instead of saying, “We want to save money,” set a target: “We’ll save XXXX for a home down payment in two years.” Review these regularly, as your objectives are expected to change as you progress in life—and in your relationship.

3. Align your finances —together. Settled on your shared goals? Perfect! Now, work on how you can achieve them together. Perhaps consider creating a joint budget for paying off shared bills or for shared targets such as a vacation or buying property. Discuss income, savings, debt, spending habits and financial fears. Understanding each other’s financial mindset is crucial for setting realistic goals.

4. Partner with a trusted bank. Having a trusted banking partner like RCBC equips you with the right financial tools and expert guidance to stay on track.

Take it a step further with RCBC’s Hexagon Club Privilege, the bank’s premier membership that unlocks an exclusive suite of benefits designed to elevate your banking experience at every stage of life.

Designed with your goals in mind
Joining RCBC’s Hexagon Club means more than just accessing premium services. It’s about financial empowerment. With exclusive banking solutions and privileges that adapt to your evolving needs, you gain access to preferential rates for auto and housing loans, first crack at investment options, and personalized solutions that grow with you. These are just some of the many perks designed to support you when you are finally ready to take on that commitment towards a financially secured future together.

Love and money may seem like an unlikely duo. But when handled wisely, they form a powerful foundation for a lasting harmonious relationship. After all, successful partnerships are built on trust, teamwork and shared dreams.

,Visit an RCBC branch today and find out how you can transform those shared dreams into reality.