In an effort to help couples talk more openly about finances, Kiplinger created a Couples and Money quiz, which you can take here.

It focuses on questions that should be discussed both before marriage and after, as well as the best options when it comes to debt, differences in investing, merging accounts and buying a home.

Financial differences can create contention and need to be addressed, said Jon Rich, a clinical psychologist in Irvine, Calif.

"Your financial styles were developed long before [your] relationship started," Rich said in an article for University Credit Union. "Because basic personality types don't tend to change, you have to try to find a way to work with the personalities you have."

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