Merging bank accounts and finances with a significant other is a big step in commitment. But many of us will do it sooner than we expected to because of practicality, such as because of needing to pay rent and bills together. However, linking your finances without thorough discussion first can put you at risk. Here’s what you need to ask each other before you join any financial accounts. Do you have any debt? This is a tough topic for some people to talk about, but it’s important that you do so.