Before the first date, with nearly half (48 percent) of millennials surveyed who have used an online dating service discussing their finances before meeting.

TD Bank’s survey shows Millennials talk early and often about money and are happier in their relationships

Couples who talk about money at least once a week say they are happier (78 percent), than those who discuss money less than every few months (50 percent), according to the second annual TD Bank Love & Money Survey.

Money is a hot relationship topic for millennials with 74 percent discussing it weekly (and an additional 19 percent discussing it at least once a month). In fact, these discussions begin even before the first date, with nearly half (48 percent) of millennials surveyed who have used an online dating service discussing their finances before meeting, compared with 36 percent across all generations.

Talking about money can be uncomfortable,” says Ryan Bailey, Head of Consumer Deposits, Payments and Personal Lending at TD Bank. “Establishing a healthy dialogue about finances can help couples get on the same page from the start and result in happier relationships in the long run.”

What’s Mine is Yours? Not So Fast, Say Millennials

• While more than two-thirds (68 percent) of millennials have at least one shared bank account, they are somewhat averse to sharing credit card accounts, with 60 percent stating they keep some separate or don’t share any at all (compared with 55 percent of Gen Xers and 48 percent of boomers).
• Across all generations, 76 percent of couples share at least one bank account, including 79 percent of those who said they are happy in their relationships. Moreover, 63 percent of all couples shared at least one credit card, including 68 percent of those who are happy.
• Credit card debt is a significant factor when it comes to relationships and 44 percent say they are less likely to date someone with credit card debt.