5 Money Habits Millionaires Look for in a Potential Partner—and 3 They Avoid

Have you ever wondered what partner qualities are important for a millionaire? Like everyone else, they have their own green and red flags that they look out for when dating.

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Below are some of the top money habits many millionaires look for in a potential partner—and some they’ll avoid.

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You are looking for financial discipline

“After building a successful business from the ground up, I have learned that financial discipline and long-term planning are critical in both business and personal relationships,” said Philip Alves, founder and CEO of DevSquad. “For me, one of the most important money habits I value in a partner is financial discipline – the ability to live within your means and make thoughtful, long-term financial decisions.”

Jason Wong, general manager of Rosedwell Machinery Co, agreed. “I believe that self-discipline when spending money is crucial,” he said. “When I see someone living within their means, it shows me that they are in control of their finances and are not easily seduced by lifestyle inflation. I think this mindset is crucial because pushing for more and more without considering the bigger picture can derail financial growth.”

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They are looking for a growth mindset

In Alves’ experience, building a successful business requires patience and discipline, and he believes those same qualities are crucial in personal finance.

“A partner who understands delays in gratification and avoids unnecessary debt signals long-term stability and a growth mindset,” he said.

They are looking for transparency

“Another habit I value is financial transparency,” Wong said. “When someone talks openly about their financial situation, it builds trust and creates a solid foundation for future planning.”

He continued, “I know when someone is willing to talk about their money goals, debts, or assets, it’s a good sign that they’re serious about long-term stability.”

They seek self-control

“Someone who understands the difference between needs and wants and doesn’t spend money impulsively shows that they are in control of their financial future,” said Ben Sporn, CEO of Joy Wallet.

He continued: “Millionaires appreciate this because building and maintaining wealth is about being smart with what you have.” Reckless spending by a partner signals potential instability, which can lead to financial stress later. “

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You are looking for a life within your means

According to Sporn, high net worth individuals are often cautious about protecting what they have built, and they look for partners who can complement that mindset rather than jeopardize it.

“A partner who consistently lives within their means and knows how to prioritize long-term goals over short-term gratification demonstrates a type of maturity that meshes well with maintaining a secure financial foundation,” he said.

He explained that this type of discipline is seen as an expression of greater life stability and makes it easier to imagine a future together without constantly worrying about financial disagreements.

You avoid impulsive spending

Alves says one habit he would avoid is impulsive spending. “For me, it’s not about the dollar amount, it’s about the thought process behind financial decisions.”

He said impulse purchases often reflect a lack of planning and consideration for the bigger picture, which can lead to financial instability over time.

“If someone isn’t in control of their spending, it can create tension when it comes to aligning financial goals or managing shared resources,” he said.

You avoid a lack of savings

“One habit I avoid is lack of savings,” Wong said. “I’ve seen how living paycheck to paycheck with no thought to savings can lead to stress and impulsive financial decisions.”

He added: “I think if someone doesn’t prioritize building a financial safety net, it shows a lack of foresight that could lead to problems down the road.”

You avoid excessive debt

“Another red flag for me is excessive debt with no repayment plan,” Wong added. “If a potential partner has significant debt but is not actively managing it, I consider that a sign of poor financial management. This habit can lead to instability and affect future goals such as investing or purchasing real estate.”

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This article originally appeared on GOBankingRates.com: 5 Money Habits Millionaires Look for in a Potential Partner—and 3 They Avoid