Life brings anticipated and unanticipated events that can affect a couple’s financial decision-making and relationship. These events can enhance or disrupt the credit path, creating consequences for credit and solvency. Often, these major life events can be the catalyst for financial and credit damage. Financial consequences of negative life events include fines, negative credit rating, loss of home, and bankruptcy. While it is possible to plan for positive life events, negative ones are often unpredictable. The best strategy for couples to circumvent financial distress is to make plans together to prepare themselves for anything and everything. As illustrated by the two couples scenarios in Figure 4, couples such as Andrew and Erica who have strong communication skills and have thought about their finances start off in a better place to deal with life changes. Overall, couples should be encouraged to plan for the best and prepare for the worst.