Light has a way of keeping people honest.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.

I write for anybody struggling to manage their money.

You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.

The number of those 19 to 25 with private insurance increased from 51 to 55.8 percent, and the percentage of uninsured fell from 33.9 percent in 2010 to 28.8 percent during the first half of 2011.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."