Money & Love: 7 Financial Green Flags to Spot While Dating

02/28/25

Written by Finance Columnist, Briana M.

Is talking about money while dating overrated?

I mean, you don’t want to seem like all you care about is his wallet or, worse, like you’re some gold digger, right?

Sis, I get it! Talking about finances while dating can feel awkward, uncomfortable, and maybe even a little “too much.” But if you’re dating intentionally—with marriage in mind—then you have to consider what life will look like after “I do.”

The Bible says in Genesis 2:24 that in a godly marriage, “the two become one.” That includes finances. Since the role of a husband is to be the head of the household, you need to know that you can trust his leadership—including his ability to steward money wisely.

Now, I’m not saying you should ask for his credit score on the first date (that’s a bit too much and a bit too soon). But you should be paying attention to financial green flags. You want to know whether his money habits align with the kind of partnership you desire.

So, let’s get into it—here are seven financial green flags to look for while dating!

1. Does He Submit His Finances to God? 

Before we get into budgets and spending habits, let’s start with the foundation. Is this man honoring God with his money?

• Does he tithe? (Malachi 3:10)

• Has he displayed obedience to God with His finances?

• Does he have a heart for giving beyond himself?

You don’t have to ask these questions directly, but you can observe his behavior. Watch how he talks about money, financial testimonies he may share, how he supports others, and how he manages his blessings.

Why It Matters: Seeing if he submits his money to God shows you what His priorities are. Jesus should be our top priority above our finances and our work. Matthew 6:21 says “where your treasure is, there your heart will be also". Tithing tests our hearts towards God by trusting our treasure in His hands rather than our own. For anyone, but especially for men, making money and climbing the corporate ladder can become an obsession. Tithing is a helpful cue to see whether a man chooses to keep God (and not his money) as the top priority in his life. Because baby, if he prioritises money over God he will prioritize money over you.  

2. Is He a Planner or Just “Go With the Flow” All the Time? 

Spontaneous dates are cute, but let’s be real—dating can get expensive! Especially if you’re in the DMV like me, a simple dinner date can easily hit $125+, and that’s before dessert!

• Does he have a practice budgeting?

• Does he plan thoughtful dates, or is everything last-minute?

• Does he live in the moment or think ahead?

Why It Matters: Planning isn’t just about dates—it’s about financial discipline. Someone who plans well is more likely to save, invest, and prepare for the future. And trust me, that’s the kind of stability you want in a husband.

3. What Is His Lifestyle Like? 

How someone lives gives major insight into their financial habits. Take note of things like:

• Does he meal prep or DoorDash every meal?

• Does he vacation often? Is it within reason?

• Does he like to host? If so, does he do it responsibly?

Why It Matters: His lifestyle should either complement yours or call you to a higher standard. If he’s reckless with his spending, that could eventually affect your financial well-being. But if he values quality and manages his lifestyle well, that’s a green flag.

4. Does He Have a Healthy Approach to Personal Maintenance? 

Let’s be real—some men invest heavily in their looks. And while there’s nothing wrong with that, you want to see if their spending aligns with their priorities.

• Does he get weekly haircuts but struggle to keep gas in his tank?

• Is he into designer labels but always "broke" before payday?

• Does he have a realistic budget for self-care, or does he overindulge?

Why It Matters: There’s nothing wrong with looking good, but financial responsibility should come first. If he’s spending recklessly on his appearance while neglecting necessities, that’s a red flag.

5. How Does He Handle Unexpected Expenses? 

Life happens. Unexpected bills, car repairs, emergencies—you name it. How he responds to financial surprises tells you a lot.

• Does he have savings or always rely on last-minute fixes?

• Does he panic and complain, or does he adjust and make wise decisions?

• Is he proactive about building a financial cushion?

Why It Matters: Financial stability isn’t about making a ton of money—it’s about knowing how to manage it. If he’s prepared for life’s curveballs, it shows responsibility and foresight.

6. Is He Open About His Financial Goals? 

Money conversations don’t have to be deep right away, but they should happen at some point. Pay attention to how he talks about money:

• Does he have financial goals?

• Does he want to build wealth, or is he just getting by?

• Does he prioritize saving, investing, or just spending?

Why It Matters: 2 Corinthians 6:14 warns us not to be unequally yoked when it comes to relationships, especially marriages. So when it comes to finances, you want to make sure you’re on the same page. You don’t have to be in the exact same financial place, but you should at least be headed in the same direction.  

7. Can He Balance Generosity & Financial Wisdom? 

Being generous is a blessing—but does he give wisely?

• Does he help others without putting himself in financial strain?

• Does he know when to say no, or does he always bail people out?

• Does he have a healthy balance of generosity and responsibility?

Why It Matters: A man who gives from his overflow rather than from his lack is a man who understands financial stewardship. That’s a major green flag.

Final Thoughts: Pay Attention & Pray About It!

Dating wisely means looking beyond chemistry and charm—you have to consider real-life compatibility, too.

• Does he submit his money to God?

• Does he plan and budget responsibly?

• Does his lifestyle align with yours or challenge you to level up?

• Is he open, intentional, and future-focused?

The focus of financial stewardship isn’t about being rich—it’s about being responsible. And when it comes to love and money, you want a partner who will lead with wisdom, intentionality, and faith.

Sis, the right man won’t make you question if he’s a financial liability or a blessing. And guess what? It goes the other way around too. If you’re reading this blog and it sounds like it’s more you that has some financial kinxs to work out- remember we can’t ask for what we can’t give. You can’t ask for financial wellness in a man if that’s not something you’re giving off yourself. So as you’re dating out there, make sure you’re pursuing financial wellness and wisdom too.

Keep your eyes open, stay prayerful, and date wisely!

What financial green (or red) flags have you noticed while dating? Drop them in the comments! Let’s talk!