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Marriage and your finances

As you plan for married life, use our tools to prepare for your financial future.

Before the big day

Set goals and follow a plan.

  • Share your financial attitudes and behaviors.
  • Prioritize your goals, such as buying a house, having children or saving for retirement.
  • Discuss how you’ll handle large purchases while growing your savings.
Explore finance articles

Talk about assets and debts.

  • Talk about assets like homes or investments that each of you brings to the marriage.
  • Decide how you’ll manage debt. Discuss whether to combine your bills or keep things separate.
  • If your future spouse has past credit issues, it could affect you both if you apply jointly for new loans.
Build an emergency fund

Create a budget.

  • Compare the money going out and coming in.
  • Understand how much you can safely spend and save.
  • You may need to compromise so you can create a budget that fits your family's needs.
Use our budgeting tools

Member benefits for your wedding

Discounts on Flowers

Celebrate your special day with savings on floral arrangements from FTD®.

Learn about FTD discounts

Travel Deals

Save on flights, hotels and car rentals for your honeymoon or next adventure.

Learn about travel deals

Special Event Insurance

Get protection for the unexpected through our alliance with Markel.‍ ‍ See note 1

Learn about special event insurance

Update your member profile.

  • This helps us serve you better. For help, call us at 210-531-8722 (USAA) or chat online.
  • Let us know when you’re getting married.‍ ‍ See note 2
  • Add your new or future spouse, children or stepchildren. They’ll get their own member numbers.
  • If you’re marrying into the USAA family, you can get an Online ID.
     
Update my profile

Review your insurance coverage after the wedding.

See where you might need to add or combine coverage. Plus, you'll want to consider how marriage affects your retirement.

  • View policy details
  • Update coverage and deductibles
  • Get an auto ID card
  • Add a driver
  • Add a vehicle
  • Get an auto insurance quote

  • Update a homeowners policy
  • Get a homeowners quote
  • Update a renters policy
  • Get a renters quote

  • Update a VPP policy
  • Get a VPP quote

  • Update beneficiaries
  • Get a life insurance quote
  • Explore investing options
  • Save for retirement

  • Learn about your health insurance options
  • Get a health insurance quote (Opens new window)

Don’t forget about estate planning.

It's important to discuss your wishes with your new family early. To create your estate plan, you’ll want to understand:

  • Which documents you may need.
  • Where to get help.
  • When to consider setting up a trust.
     
Learn about estate planning

Are you a military spouse?

Marrying into the military presents you with unique challenges. Get more information on benefits and helpful resources.

See military spouse resources

Marriage and finances FAQ

You should discuss your household finances with your spouse to decide how you'll pay your bills and build your savings. If you're not ready to combine all your money, keep your individual accounts but consider opening a joint one for paying bills.

 

Consider consulting a tax advisor before deciding how you'll file your taxes as a married couple. Whether you'll pay less filing jointly or individually will depend on your situation. Filing jointly often means you can take advantage of credits and deductions. Filing separately offers other considerations like avoiding joint tax liability. For more info, visit our tax center.

 

It can help to understand how deployments, frequent moves and government benefits could affect you. Take a look at these tips on reducing financial stress as a military spouse.

 

These videos can help you get ready for your first move or PCS:

14 PCS tips from veteran military spouses

DIY move or full military move

 

Related articles

5 tax tips for service members and their families

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Read article: 5 tax tips for service members and their families

The military spouse's guide to reducing financial stress

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Read article: The military spouse's guide to reducing financial stress

Why some married couples file separate taxes

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Read article: Why some married couples file separate taxes

More resources for your new life together

  • Moving
  • Becoming a Parent
  • Loss of a Loved One
  • Divorce

  • Pet Insurance
  • Condo Insurance
  • Flood Insurance
  • Umbrella Insurance

  • Contractor Connection
  • PODS® Moving and Storage
  • Home Chef
  • Online Shopping Deals

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. Providing this information is voluntary and will not be considered in connection with a request or application for credit products and/or services.

Related footnotes:

  1. Coverage is underwritten by Markel American Insurance Company, NAIC# 28932, Glen Allen, and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language.

  2. USAA and its affiliates do not provide tax advice. Taxpayers should seek advice based upon their own particular circumstances from an independent tax advisor.

  3. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  4. Health Insurance Solutions provided through USAA Life General Agency (LGA) known in CA and NY as USAA Health and Life Insurance Agency, working with select insurance companies to provide products to our members. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. Plans are not available in all states. Coverage is underwritten by the respective insurance company. Each company has sole financial responsibility for its products.

  5. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

  6. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  7. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  8. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  9. USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services. ISCO also provides referral and marketing services and on behalf of Victory Capital Services, Inc. (VCS), a registered broker-dealer.

  10. No Department of Defense or government agency endorsement.

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