Holiday Ayo - The British band The Beatles famously sang "Money Can't Buy Me Love." However, according to new research, couples who manage their finances together may be able to stay in love longer.

A study titled "Pooling Finances and Relationship Satisfaction," conducted by Associate Professor Emily Garbinsky at Cornell University, shows that couples who manage their finances together are less likely to break up than those who keep their accounts separate.

"We found that couples who have joint accounts are less likely to break up than those who don't," she said.

According to Garbinsky, couples who have joint accounts tend to feel like they're on a team.

"Feeling like a team with your partner increases relationship satisfaction," she said.

Researchers also analyzed online discussions on forums like Quora and Reddit and found that couples who have joint accounts more often use the term "our money," while those who don't share accounts more often use "my money."

This simple pronoun, Garbinsky said, strengthens the sense of togetherness over time.

A survey from CreditCards.com supports these findings. Approximately 43% of couples married, cohabiting, or in a civil partnership own assets together.

By generation, Baby Boomers are the most likely to have joint accounts (49%), followed by Gen X (48%), while only 31% of millennials do the same.

Interestingly, lower-income couples actually benefit more from a shared financial system. A similar effect has been found in collectivist cultures like Japan compared to more individualistic cultures like the United States.

Despite this, many couples still avoid discussing money for fear of sparking conflict.

"Many couples admit to not liking to talk about finances because they're worried it will lead to an argument," says Garbinsky.

But open communication is key. Couples who regularly discuss finances are more aligned on financial goals and better at managing debt.

Furthermore, they are also less likely to engage in financial infidelity, or to hide transactions or financial information from their partners.

According to a survey by the National Endowment for Financial Education, approximately 43% of adults admit to having done this, with men more often than women.

Personal finance expert Jesse Sell of Prevail Financial Planners emphasizes the importance of regular communication.

"Money is a highly emotional topic. Therefore, discussing it regularly is important to prevent it from being ignored," he said.