The 12 Questions Every Couple Should Ask Each Other Before Commitment.
Twelve questions that will tell you more about the financial future of your relationship than five years of dating ever will. The cheapest version of these conversations available — because the alternative is having them later, with more on the line.
If those twelve questions opened something up for you —
there’s a complete framework that picks up exactly where they leave off.
The Million-Dollar Decision.
How to choose a partner for love AND lifetime wealth.
The twelve questions you just downloaded are the conversation most couples never have. They’re one chapter of a larger framework — and the easiest part of the work.
The harder part — the part most couples need most — is knowing what to listen for in the spaces between answers. The hesitations. The deflections. The small things that don’t quite add up. The patterns hiding in plain sight that, taken together, predict almost everything about the financial future you’d be building with this person.
That’s what’s in the book. 168 pages across ten chapters and three companion bonuses. The complete framework for seeing your partner clearly — before commitment, after commitment, or anywhere in between.
Million-Dollar
Decision
How to Choose a Partner
for Love AND Lifetime Wealth
COSTOFIDO.COM
Three parts. Ten chapters. One complete framework.
Written for adults. Designed for the long haul. The real version of love — the one that has to survive thirty more years of weather.
Understanding the Stakes
- The Hidden Math of Love. What choosing the wrong partner actually costs.
- Why Smart People Pick Wrong. The seven cognitive biases that quietly mislead good people.
- The Five Money Personalities. Which combinations build wealth. Which ones build resentment.
The Evaluation Framework
- Reading Your Own Money DNA. The childhood script still driving your choices.
- The 12 Questions. Including what each one really reveals and what to listen for.
- Red Flags & Green Flags. The 50 patterns most people miss until it’s too late.
Building the Partnership
- The Five Money Conversations. Every couple must have. With timing and framing.
- Designing a Financial Life Together. Joint, separate, hybrid. Making the decisions explicitly.
- Protecting What You’re Building. The structures that keep love and money intact when life happens.
The work, made doable.
These aren’t filler. Each one is a complete tool in its own right — designed to turn the framework into a practice.
Money Conversation Scripts
Word-for-word language for the twelve hardest conversations every couple has to have. The opening line, the likely turn flow, the defensive responses you’ll encounter — and exactly how to handle each one.
Compatibility Worksheet Pack
The do-the-work part of the system. Eleven fillable worksheets including the Money Origin Story, the Joint Budget Builder, the Risk Tolerance Compatibility Check, and the Monthly Money Date Template.
Red Flag / Green Flag Card
Fifty patterns that predict your financial future together. Printable, foldable reference card you’ll actually use — 25 red flags and 25 matching green flags across five categories.
From people who did the work.
I’d been engaged for four months when I read this. I almost didn’t — I was worried it would make me second-guess everything. Instead it gave my fiancé and me the framework to have conversations we should have had a year earlier. Both of us are still glad we did.
I bought this thinking it was for couples. I’m single. Turns out it’s more useful when you’re between relationships — you go into the next one knowing exactly what to look for. Wish I’d had this five years ago. Honestly the most clarifying book on relationships I’ve ever read.
My husband and I have been married twelve years. We did the worksheets together over four weekends. The Monthly Money Date Template alone has changed how we talk about money — for the first time it doesn’t end in someone shutting down. Worth every penny.
The Red Flag / Green Flag card is taped to the inside of my journal. I read through it before every second date now. It’s saved me from at least two relationships I would have absolutely talked myself into.
Hazel writes the way a smart friend would talk to you over coffee. No hype. No “five secrets nobody is telling you.” Just genuinely useful thinking, organized so you can actually apply it. I’ve recommended this to three friends already.
Skeptical at $47. Read the whole thing in one sitting on a Sunday afternoon. The chapter on the five financial personality types alone made the price feel like a steal. I finally understand why my last relationship failed, and what to look for in the next one.
One purchase. 267 pages. Yours forever.
YOUR PRICE TODAY
$47
All four PDFs. Instant download. Yours forever.
30-day money-back guarantee. No questions asked.
My honest guarantee.
If you read the book, do the work, and don’t find it valuable — email me at hazel@costofido.com within 30 days and I’ll refund your $47, no questions asked, no forms to fill out, no hoops.
I write that not because I’m worried about it, but because I want you to feel safe enough to actually start. The work in this book is the work. The refund is for the people for whom it genuinely doesn’t fit.
One last thing before you decide.
The framework in this book is not new in the sense that it’s secret information nobody else has. The patterns I’m naming have been in plain sight forever. Therapists know them. Financial planners see them every day. Older couples who got it right could tell you most of them, if you sat them down and asked the right questions.
What’s new is that almost nobody has put them all in one place — in language a regular person can actually use, before the consequences become irreversible.
You don’t need this book to be happy. You don’t need it to find love. Plenty of beautiful relationships happen without anyone consciously doing this work.
But if you want to give your relationship the best possible chance of being one of the ones that lasts — and that lasts well, with both love and financial peace intact — you need a framework.
This is the most complete one I know how to write.
Take it or don’t. The math is the math either way.
— Hazel McBride
Cost of I Do · The math of modern love.