But you should coordinate how much you're going to save and what savings vehicles you're going to use. If one partner's employer offers a 401(k) matching contribution, it probably makes sense for that person to contribute at least enough to qualify for the employer match.

但双方应当就储蓄金额以及计划使用的储蓄工具进行沟通协调。如果一方的雇主提供401(k)匹配缴费计划，这一方最好能够提存足够多的钱，以达到这个计划的标准。

Manage risk

控制风险

Consider whether you'll need insurance, and if so factor the premiums into your budget. 'If you're buying a home together you need life insurance, ' says Ms. Savage. Disability insurance can't hurt either, says Mr. Eisenberg.

考虑是否需要购买保险，如果答案是肯定的，则需要把保费合计到预算中。萨维奇说：“如果双方要组建家庭，就需要考虑购买寿险。”艾森伯格表示，买份伤残险也没什么坏处。

And don't forget to change the beneficiaries on any existing insurance policies, as well as retirement accounts and so-called pay-on-death accounts, which supersede your will and go directly to the named beneficiaries.

此外，别忘记更新现有保单、退休账户或所谓“生后支取”账户的受益人，因为这些账户安排可以无需遗嘱，在既定条件满足的情况下直接支付给指定受益人。

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