November 18, 2021
By NEFE/The Harris Poll
The 2021 Financial Infidelity survey examines how couples communicate or conceal their financial behaviors, revealing that 43% of U.S. adults with shared finances admitted to some form of deception, such as hiding purchases or failing to disclose debt. Many respondents cited fear, shame, or relationship conflict as motives. This study highlights the emotional overlap of trust, financial autonomy, and transparency in relationships. Understanding these dynamics is essential for financial counselors, educators, and partners alike to better support financial dialogue and healthy money habits.
Beyond uncovering hidden purchases or undisclosed debts, the survey also reveals how financial infidelity impacts trust, communication, and long-term relationship stability. Couples experiencing money deception were significantly more likely to argue about finances and report lower satisfaction in their relationships. These findings underscore the importance of building financial transparency, shared budgeting practices, and open dialogue as essential tools for preventing conflict and strengthening financial well-being within households.