Deciding whether to combine finances with your partner or significant other is a big step in any relationship. While there is no one-size-fits-all answer, making an informed and thoughtful decision can set the stage for financial success and harmony in your relationship.

Communication: Before merging finances, have an open and honest conversation with your partner about your financial values, goals, and attitudes towards money. Make sure you both have a clear understanding of each other's financial situation and expectations.

Financial compatibility: Consider whether you and your partner have similar spending habits, saving goals, and attitudes towards money. If you have vastly different financial philosophies, it may be better to keep finances separate or establish clear boundaries for shared expenses.

Trust and transparency: Trust is essential in any relationship, especially when it comes to money. Ensure that both partners are comfortable being transparent about their financial situation and are willing to work together to achieve shared financial goals.

Legal considerations: If you decide to combine finances, be aware of any legal implications, such as joint accounts, debts, and assets. Consider consulting a financial advisor or attorney to understand the legal ramifications of merging your finances.

Flexibility: Recognize that financial situations can change over time, so it's important to be flexible and open to adjusting your financial arrangements as needed. Regularly review your financial goals and progress to ensure you're both on the same page.

Ask Questions: Be open about your expectations and ask yourself a a few questions. How many accounts do we want? Who is responsible for paying bills? How will each partner's existing debt be handled? What is the arrangement if one person makes substantially more than the other? 

Ultimately, the decision to combine finances with your partner is a personal one that should be based on trust, communication, and mutual understanding.