I have been working with a young couple who are looking to buy a home, get married and start 
having kids, like NOW. The girl often mentions things like "at my mom's house, we have a a huge kitchen..." "When I find THE house, I will know" and "We need at least 4 bedrooms, WE are hoping to have three or four kids..."
When I glance over at the husband to be - I just see a glazed look come over his face.
The fact of the matter is, the wife to be is trying to get to a place where her parents are now. She wants to forgo the journey that lays ahead of her and just jump into tomorrow.
When I ask the young couple what their credit is like - she knows hers, and looks to him to answer for himself. He has some debt, she does not. She was surprized and unaware of his debt.
When I ask her how much they can afford, she knows her salary and knows that when she has kids, she will not have that to count on, because she will stop working. He did not know that.
When I asked the young couple how much they had to put down on a home, they both had no idea, all monies will be coming from what they get at their wedding.
Sometimes, love and money is a tough subject - BankRate has a great tool - "Love and money quiz: How do you and your mate relate?
...For now, they have decided to rent.
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