Getting married

A useful money conversation includes what each person earns, owes, supports and hopes to do—not just how wedding expenses will be paid.

A celebration should not create repayment stress that follows the household for years. Be clear about what is savings, family support and borrowing.

There is no single correct account structure. What matters is clarity on who pays what, how shared goals are funded and how both people retain visibility.

Housing, family support, insurance, EMIs, travel and lifestyle costs can look very different after marriage. Put the recurring numbers together.

Existing debt changes how much room the new household has for rent, a home loan, travel and other goals.

Marriage may change who depends on whom and how much protection is needed. It is also a good time to check overlapping or inadequate cover.

Life cover is mainly about replacing financial support if a person dies—not about meeting every savings goal through one product.

Marriage often changes whom you want institutions and family members to contact. Keep nominations current and understand their legal limits.

A home, travel, children, further study or supporting parents can compete for the same monthly surplus. Naming the goals makes trade-offs visible.

The decision depends on cash flow, flexibility, time horizon, location and total ownership cost—not only the monthly EMI.