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While anyone will tell you that talking about money is the first step in resolving problems, talk alone won't do the trick.In fact, a 2004 study commissioned by Smart Money magazine and Redbook, another Hearst publication (Smart Money magazine and Smart are jointly published by Dow Jones and Hearst), found that more than 70% of couples talk about money on a weekly basis. "Most of us don't know to talk about money," says Mary Claire Allvine, a certified financial planner (CFP) and co-author of "The Family CFO: The Couple's Business Plan for Love and Money." "People tend to be emotional and reactive about money, not strategic," she says.When emotions run high, people tend to make fiscal mistakes.

"If you put a business metaphor into the picture, you'd be surprised how much more methodical people are." And so, to help make your next state-of-the-financial-union meeting run smoothly, we've assembled a collection of the six most common mistakes couples make when handling money issues, along with some advice on how to correct them.

Do yourself a favor: Make sure all board members review this before you talk.

Psychotherapist Pandora Mac Lean-Hoover, who's divorced, also suggests finding a therapist who knows firsthand how vulnerable you are.

"Therapists who haven't experienced divorce often create false hope," in regards to recovering quickly.

to do) if you're going through—or just contemplating—a divorce.

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