Five things to check first
Agree which expenses are shared and which remain individual.
Map both incomes and each person’s dependants.
Review nominations and health-cover eligibility.
Set one shared goal with an amount and date.
Choose an emergency-fund contribution rule together.
Why the people matter
Three people can mean two working adults and a child, or one working adult and two older parents. Those families do not have the same risks. MoneyMap asks who earns, who needs support and who is covered instead of relying on a headcount.
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