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Americans are marrying later or not at all, and more are cohabiting. The median age for first marriages is now 27 for women and 29 for men, compared with 20 for women and 23 for men in 1960, according to Pew Research. And about a quarter of those who have never married are living with a partner. Given those stats and the growing rate of divorce among those 50 and older, it’s important for couples to organize their finances and avoid fighting about money.

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