Valentine’s Day is a celebration of love, commitment, and shared dreams. But beyond romantic gestures, one of the most critical—and often overlooked—foundations of a strong relationship is financial compatibility. Money is consistently cited as one of the leading causes of stress in relationships, and financial disagreements are a top predictor of divorce.

The holiday season is upon us—a time filled with joy, laughter, and togetherness. Between the feasts, gift-giving, and festive activities, it may seem like the least ideal time to bring up money. After all, financial conversations can feel awkward, especially when it involves aging parents or your kids. But the holidays present a unique opportunity: family members are gathered, and there’s often a natural focus on future planning.

While no one is suggesting you dive into the details of estate planning or your 401(k) over the turkey, taking the time to plan these conversations during the holidays—or soon after—can be a gift of clarity and preparedness for your family. Addressing these topics now can prevent misunderstandings, reduce stress in emergencies, and set your family up for long-term financial health.

As Black Friday approaches, shoppers everywhere are gearing up for deals and discounts, eager to check items off their holiday wish lists. While these sales events can be a great opportunity to save, it’s easy to overspend if you’re not careful. Here are four financial tips to help you shop smarter during Black Friday and the holiday season.