Lately, I’ve been watching a show called Dating Naked. The premise is that two people will go on a naked date. By baring it all straight away, they hope to shock and awe each other. The show is full of drama, alcohol, and uninhibited people. But I am not sure it would work for me in trying to get to know someone in my dating life.

On the other hand, it got me thinking about the “let’s bare it all” process. It’s about putting all your cards on the table on your first date. When you do that, you get to see if the person is a match beyond physical attraction. This is often true for dating and money as much as anything else.

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Dating and Money: Should You Bare It All? Dating and money can be an awkward topic, but don't avoid it. Learn why you should start talking about money early on in a #relationship. #money #dating #aboutmoney

Should You Talk About Money While Dating? Dating and money can be an awkward topic, but don't avoid it. Learn why you should start talking about money early on in a #relationship. #money #dating #aboutmoneyHow and Why You Should Start Talking About Money

I am 35 right now, and I’d like to have a family someday. What if I date a great guy for a couple of years before finding out he doesn’t want to have children? I would be back to square one at 37, with the odds of making my dream a reality even slimmer. I need to approach my dating life seriously when it comes to finances, life choices, and all other important topics.

“Financial compatibility comes down to shared priorities and values,” says Brie Sodano, a personal financial analyst managing her own company, From Sheep to Shark.

“On a first date, spending time getting to know your date's goals and dreams and asking questions about what they do for fun can probably give you an idea about where they are financially and where they hope to be,” Sodano adds.

Unfortunately, money is a taboo topic that many avoid like the Zika virus for their romantic lives.

“Money can be a personal and touchy subject. Be gentle on a first date,” says Sodano.  “It may come off as rude or intrusive. You may assume inaccurate information, as the date may be trying to impress you.”

Some don’t even know how much their partners earn. No wonder there are cases of financial infidelity in which somebody’s significant other racks up debt and you find out only when trying to buy a house together.

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While I wouldn’t ask someone for his credit score on the first date, I think knowing a bit more about his financial situation is important.

Would You Bare It All on a First Date?

We asked some of our readers what they think of talking about money on a first date.

  • Sophie: “On a first date, definitely not. But a second? Yes. You need to make sure you’re not dating a bum!”
  • Jack: “I definitely wouldn’t bring it up to brag, because that’s gross. But I also think transparency about salaries is so important amongst young people — especially if they’re in the same industry. It can help hold employers accountable for gender pay gaps and racial discrimination.”
  • Sorcha: “I don’t think it would come up naturally. I’d find it unattractive if someone brought up how much money they earn.”
  • Greg*: “Well, I’ve just started an apprenticeship, and feel like there are children in Chinese sweatshops who make more an hour than I do. It’s embarrassing — I want to take girls out on dates, but I don’t want to be seen as cheap. So I just don’t ask. I haven’t asked anyone out in the last year because the thought of not being able to afford a date is awful. Would I reveal this on a first date? Right now, I can’t even afford a first date, so no.”

*Name changed for privacy.

How I Handle Dating and Money

Usually, I introduce myself as a vague “online content writer” in the early stages of my dating life. People assume I’m just a broke freelancer who will never make it to major publications. And I’m okay with that.

I once tried to be more honest when talking about money. A few months back, I went on a date and told the guy I was a blogger. (Yes, my sites make money. Yes, I also have a guest house in Guatemala and am a landlady. And yes, I write about money all day, so I know how to save and invest it.)

At the end of the date, we asked for the check and I took my credit card out to pay. He didn’t make a move — he didn’t even say thank you.

I decided to end it abruptly and asked him to drive me home. He kept talking about how he’d like to see me again — or even better, spend the night with me. I was so offended that he wouldn’t even pretend to make a move to pay his share that I cut the night short and never contacted him again.

Dating and Money: Should You Bare It All?

It’s a two-way street, obviously. Having a girl expect to pay for you can be a pretty disappointing experience, as well.

“I'm a guy, so if a girl takes it as a foregone conclusion I am going to pay, for me, it’s already a bad sign because I am looking for a partner who contributes,” says Lucio Buffalmano, a life and dating coach at The Power Moves.

Another time, I went with a guy who described himself as “an entrepreneur, working for himself, with a good savings record.” After a few more dates, I found out he was actually just a temp worker with more personal loans than savings. I felt cheated.

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What I Want When It Comes to Dating and Money

It’s not that I want to date a rich guy. I just want to date someone who’s financially responsible.

This means someone I can make plans with. Someone who says, “Let’s save $50 a week so we can go on holidays next summer,” and is true to his word. Or more simply, someone who can take me on a date once in a while without me having to worry about how he’ll pay for it.

In college, I dated a student who was responsible but broke. Our dates were hikes and cycling trips. We’d take a train or hitchhike somewhere and then camp in the wild. Or we’d pick wild berries and make jams at home together. We made each other cards for Christmas. That was awesome, and it didn’t require any money.

If you want to have a more traditional date, there are still ways to keep it affordable.

Had that same broke guy faked a higher status and swiped our dates on his card, he would not have been so attractive.

So yes, money plays a big role in my dating life. I want a partner — an equal who will put his fair share in the relationship. And that includes money. It may seem awkward, but by baring it all on the first date, I save a lot of time and avoid potential heartbreaks.

Additional reporting by Kelly Meehan Brown.