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When people are dating, it is easy to focus on chemistry, attraction, shared interests and emotional connection. Those things matter, of course. But if you are serious about marriage, you need to look beyond “kilig and pay attention to character, values and habits.

One of the clearest windows into a person’s character is how that person handles money.

Money is never just about money. It reveals priorities, discipline, self-control, contentment and wisdom. That is why financial red flags in dating should not be ignored. You are not being materialistic when you pay attention to these things. You are being wise and prudent.

I am not saying you should only date someone rich or successful. That is not the point. The issue is not how much money a person has, but how that person thinks about money, uses money and responds to financial responsibility.