What will the agent ask you?
A good agent asks before it answers. Expect questions like these, and answer the ones that matter to you.
- Which costs are shared, and which are yours alone?
- What do you want to raise, and what would you rather keep private?
- What changed since you last talked: a raise, a new bill, a plan?
- Is there a goal you're saving for together, and is it on pace?
- What does your partner care about most right now, if you know?
- Which one or two decisions would you like to leave with?
What does a good answer look like?
A worked example on sample data: a couple with joint rent and bills, a shared goal of $4,800 for a family trip next summer, and two streaming services.
You
We're doing a money date on Sunday. Can you put something together that won't turn into a fight?
Your agent
Here's a one-page agenda. First, where things stand: everyday spending is up about $350 a month since spring, mostly takeout and rides. Nobody needs to defend it; it's been a busy few months.
Your agent
Second, the trip. You have $1,400 of $4,800. At $300 a month you get there after May; it takes about $457 a month to make it in time. Three options to talk through: put more in, push the date, or plan a smaller trip.
Your agent
Third, a small one: Netflix and HBO Max come to $38.48 a month together. Worth asking whether you both still watch both.
Your agent
Questions for each of you: What would make this year feel good with money? What's one thing you'd keep no matter what?
Illustrative example with sample data, not a customer result.
What Candor's weekly review raises for this household
Once a week, Candor reads the records and notes and raises what's worth talking through, with why it matters and the records behind it. These are the areas it would raise from the sample records. Your agent brings each one up with you and works out the figures.
The summer trip is behind its pace
Less is going into the summer trip each month than it needs to be ready by May.
A shared goal slipping is the kind of thing nobody wants to raise first. Raised by Candor, with the records behind it, it becomes a question for both of you.
Everyday spending went up
Everyday spending has run higher lately than it did earlier in the year.
This is usually why a shared goal slips. Seeing it before the conversation keeps it about the plan.
Two streaming services
Netflix and HBO Max both charge every month.
Only the two of you know who watches what. Candor raises the overlap; you decide.
The review also names what would change the picture. Your agent may ask about: who pays which shared bills; whether the trip dates are set.
What does a weak answer look like?
Here are 20 questions to ask your partner about money: 1. What did your parents teach you about money? 2. Are you a saver or a spender? 3. What's your credit score? ...
- Generic questions with nothing from your own money in them.
- Twenty questions is a quiz. Nothing gets decided.
- Some of them put one person on the spot.
Prepare a private agenda before sharing financial details
A household conversation works better with shared facts and room for different priorities. Tell your agent which costs and goals you want to discuss and what should remain private. Candor supplies the records you can access; it does not establish another person's income, preferences, or permission to share their information.
Check the answer
- Review the agenda's facts and language yourself. Separate shared commitments from personal purchases and assumptions about someone else's choices.
- Choose a small set of decisions to discuss, and leave questions open where you need the other person's perspective.
Choose a next step
Edit the draft before sharing it. After the conversation, tell your agent what you agreed, and it updates your budget or goals and tells you what changed.
Where Candor fits
Your agent works through the question with you, builds the plan, and keeps you on it. Candor gives it your real accounts, exact figures, and the goals, budget, notes, and decisions from earlier sessions, in whichever agent you use. Every week its review raises what's worth talking through and tells your agent why. Candor is not a licensed advisor and gives no advice; your agent does the advising, and the decisions are yours.
- Read-only: Candor cannot move money.
- Candor never sells your financial data or trains models on it, and you can export or delete it.
- Every agent read and change is recorded with its reason.
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Common questions
- What questions should you ask on a money date?
- Start with what's shared and what changed, then what's coming in the next few months, then one or two decisions. Good open questions: what would make this year feel good with money, what you'd protect no matter what, and what's worrying either of you.
- How often should couples talk about money?
- Pick a rhythm you'll keep. Monthly is often enough that nothing piles up and rare enough that it doesn't feel like an audit. A quick look at upcoming bills can happen weekly on its own.
- Can AI help couples talk about money?
- It can do the prep: gather the shared numbers, write a neutral agenda, and keep track of what you agreed. The conversation is still yours. Ask it not to assume your partner's income or preferences.
- What does Candor keep between check-ins?
- The goals and budget you agree on, your agent's notes on what you decided and why, and the records behind them. Candor is read-only, never moves money, and records every read and change your agent makes, with its reason.