Money and marriage can be a tricky business. A survey by SunTrust found that couples gave finances as the main cause of stress in their relationships.

That doesn’t have to be the case with you.

Over the last few years, I’ve interviewed couples who’ve done some big things with their money, like getting out of six figures of debt, starting a business together, and retiring early.

A huge key to making those dreams happen was being able to work together on their finances. If you’re looking to merge your money, here are five crucial steps to help make the process go smoother.