1 Student loans
According to Fidelity Investments, 2013 graduates who had borrowed
had an average of $35,200 in college-related debt, so lots of
millennials bring debt into their marriages. The average household
headed by someone under 35 carried $89,500 in debt in 2010, including
mortgage debt, the Federal Reserve's Survey of Consumer Finances shows.
(That's up from $53,700 in 1989, measured in 2010 dollars.)
The first thing to do is have an open conversation with your spouse
in which you both disclose all the skeletons in your financial closets.
You should also make a plan for tackling that debt that makes clear
whether each person will help pay down the other's debt or if it's the
responsibility of the borrower alone. Before even getting married, you
should also share credit reports with your spouse so you can work to
improve your scores in advance of a major purchase, says Theresa Fette,
CEO of Provident Trust Group in Las Vegas. 2 Making a budget
Setting a budget is no fun, but it's critical for a young couple
because money can be tight at the beginning of a career. Money conflicts
are a top reason for divorce (which itself can wreak financial havoc),
so making a financial plan with your partner and sticking with it can
help avert lots of arguments about overspending or racking up
credit-card debt, says Michael Mussio, a financial planner at FBB
Capital Partners in Bethesda, Md. You can use an online program like
Mint or LearnVest to map out a budget and see if you're spending too
much in certain categories, says Joan Snyder Kuhl, head of consulting
firm Why Millennials Matter. 3 Planning for children
Genealogy is a subject which, from time to time in life, people can obsess over. Thus it can be a marvelous source for plot twists, or a character's sudden understanding of why they feel as they do about themselves.
Here is a gif posted online displaying the heritage of the figures in the Bible. Imagine the arguments people could have over this image -- imagine someone posting it on the wall of their cubicle or office and getting fired for that.
Jacqueline Lichtenberg, a life member of the Science Fiction Writers of America, (http://www.sfwa.org ). She is creator of the Sime~Gen Universe with a vibrant fan following (http://www.simegen.net -- http://www.simegen.com/writers/simegen/ ), primary author of the Bantam paperback Star Trek Lives! which blew the lid on Star Trek fandom, founder of the Star Trek Welcommittee, creator of the genre term Intimate Adventure, winner of the Galaxy Award for Spirituality in Science Fiction with her second novel, and one of the first Romantic Times Awards for Best Science Fiction Novel with her later novel Dushau. Her fiction has been in audio-dramatization on XM Satellite Radio. She was the sf/f reviewer for a professional magazine for 20 years. She teaches sf/f writing online while turning to her first love, screenwriting focused on selling to the feature film market. Screenwriting: http://www.slantedconcept.com Books currently available (Kindle, ebook, mass market) http://www.jacquelinelichtenberg.com
Her Sime~Gen Universe is currently under contract to a videogame company which is developing a game for distribution on a wide variety of platforms.