1. Set aside time to talk
    The first step to finding common ground with your finances is to take time to talk about money. Don’t wait for overspending, overdrafts or a financial crisis. Define your values and goals together and clarify the difference between needs and wants.It’s also important to teach children about the value of money and how to use it responsibly. Partners like Jump$tart Coalition and National Endowment for Education (NEFE) are making this easier. Programs such as Money As You Grow and Smart About Money offer tips to incorporate financial literacy into everyday conversation as early as age 2.