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Discuss each of your budgets and at least make sure you have a ballpark sense of what the other person makes and what their financial situation is in terms of savings and debt.” It might be unromantic, but it’s realistic, says Fields, especially given that money is one of the top two reasons why couples break up (in-laws are the other—ha).At the end of the day, it’s wise to pay attention to what someone is showing you about their character, especially when it comes to money.

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“It’s nice to always offer and make the gesture,” says Fields.

“Be sensitive to different financial situations and try to pick up on cues based on people’s jobs and living situations.

Plus, in early relationships, it can be a sign to show you really like someone and expect to have plenty of opportunities to pay each other back.

“There’ll be plenty of time for the other person to reciprocate,” says Fields. If you’ve been dating for months and he or she never treats you or makes you dinner, then ask yourself if you’re OK with that, because it says something about them emotionally.” Whether it’s telling your date that you’re more comfortable splitting the check, or explaining to someone you’ve been seeing for several months that you’re on a tight budget, it’s smart to communicate about money—awkward as it might feel.

When it comes to money etiquette in dating circa now, says couples therapist and relationship expert Tara Fields, Ph. And that’s what can make things so difficult to navigate.

Everyone has different values around money—how to spend it, how to save it, and what role it plays.

Is it their way of being in control of the situation—or worse, you?

” You want someone whose money habits fall in a happy, healthy middle ground.

“Often, people who are cheap financially end up being cheap emotionally,” says Fields.

“On the other hand, if they insist on picking up the tab and never let you pay, are they being sweet and generous, or is it something they saw one of their parents do in a dysfunctional way?

If “find love” is one of your resolutions for 2016, you're in luck.