73% of Americans say salary matters when picking their Valentine — but these two financial factors matter even more

Are you financially attractive?

Looks might catch someone’s eye, but when it comes to finding the one, financial attractiveness may be just as important. A good credit score is a reflection of financial responsibility. It shows you can manage debt wisely, pay bills on time and maintain discipline with your money.

As of September 2024, the average credit score in the U.S. held steady at 715. While that’s in the midrange of “good,” it’s still considered a strong score. But don’t assume everyone’s hitting that mark — 46% of consumers have a score below 715.

But it’s not just about credit scores. Career trajectory is nearly as appealing, signaling ambition, security and a clear sense of direction. Singles often look for partners who are passionate about their work because it can reflect dedication and commitment — qualities that translate well into personal relationships. As one Reddit user put it, “I want someone with financial stability and independence but that doesn't mean rich.”

In an email to Moneywise, Paul Dilda, head of U.S. Consumer Strategy at BMO, says it’s no surprise credit scores rank highly when considering long-term partners.

“A high-paying job can come and go, but a good credit score signals financial responsibility, which is the most attractive financial trait our survey found.”

Financial attractiveness isn’t about flashy salaries or luxury lifestyles. It’s about showing that you’re capable of managing your life with intention and purpose. After all, someone who doesn’t ghost their loan payments is probably less likely to ghost their partner.

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When to have the talk?

While a strong credit score and a promising career are undeniably attractive, pulling out a spreadsheet on the first date isn’t exactly the hallmark of romance. But, many people do want to have conversations about money earlier than you may think.

Nearly four in ten Americans believe financial conversations should start as soon as the relationship becomes official, according to BMO, while 10% think it’s perfectly fine to discuss finances after just a few dates.

Even though people say they’re ready for these talks, many aren’t walking the walk. In fact, 11% of Americans in committed relationships rarely or never discuss finances beyond household expenses. It seems the desire for financial transparency is there — just not always the follow-through.

“It may sound like a recipe to create bickering, but bringing more financial transparency into your relationship may actually help increase your odds for happily ever after," Dilda said.

If you’re unsure how to navigate these kinds of conversations — regardless of the stage of your relationship — consider setting aside dedicated time with your partner. Then you can talk about goals, spending habits, any debts and plans for the future.

And if things get tricky or you need some expert guidance, consider consulting a financial adviser together to help create a road map to keep both your hearts — and budgets in sync.