Josh Anderson, Associated Press
FILE-This July 29, 2009 file photo shows financial guru Dave Ramsey in his broadcasting studio in Brentwood, Tenn. Ramsey doesn't deny mixing religion and business, and he doesn't apologize for getting rich doing it, either.

People can't have great relationships until they communicate and agree about money, according to Dave Ramsey.

"Money is either the best or the worst area of communication in our marriages," said Larry Burkett, a financial author.

Having fights about money is normal in a marriage, according to Ramsey. But if this area is a big problem for couples, they can improve their relationships by understanding the other's perspective and finding common ground.

When it comes to money, men and women are generally different, mostly because they look at problems and opportunities from different points of view. Men typically don't save for emergencies and they act with more risk than women. Money can be a source of self-esteem and they might struggle with financial hardship, Ramsey said.

Women usually view money more in terms of security, Ramsey said. Women may have some fear when it comes to money because of their need for security.

Splitting up the bills and money is a bad idea and so is having one person take care of all the finances, Ramsey said. Both people need to participate in the financial planning.

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