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And the couples in the study who had accrued debt actually grew less happy over time as compared to those without it.

What You Can Do: The flip side of that same study shows that couples who made a plan and tackled their debt together remained happier with each other over the long-term.

The researchers chalk it up to the fact that there's still more societal pressure on men to be the breadwinners. First, there are economies of scale (two can live more cheaply than one, and each specializes in what he or she is good at -- like fixing a computer or changing a light bulb, so you can save on hiring someone to do the task.

) But there's also something about committing to a life together that has a halo effect on your finances.

Overall, married couples save and invest more for the future (and, at the same time, act as built-in insurance for each other against uncertainties like an illness or pink slips).

And something about committing to a partner makes men more virile economically: Married guys actually earn between 10% and 40% more than single men with similar education and job histories.

Not to mention research from the National Marriage Project about the most likely predictors of divorce -- many of which center around money.

And for each, we'll give you a recommendation of what to do next if your true love fits the profile."It does not matter if couples are rich or poor, working class or middle class.If they accrue substantial debt, it puts a strain on their marriage." Credit card debt increases the likelihood a couple will fight over money -- as well as issues other than money -- and decreases the time they spend with one another, shows a study published in the .Happily, building assets together, researchers say, is one way to grow closer as a couple. sweeten and solidify the ties between spouses," says the National Marriage Project, "by minimizing any sense of financial unease that couples feel, with the result that they experience less conflict." 6.He Declared Bankruptcy, Or Got Foreclosed On Most of us are already on the same page about this one.

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What You Can Do: Only you can answer whether marriage matters to you.