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In this series, Tips from the Pros, Money taps the collective wisdom of expert financial planners.

We all handle money differently. But the way husbands and wives handle their finances needs to change. Financial planner Valerie Adelman says that even though the wife tend to be the spouse who pays the bills and manages the household budget, she usually isn't included when it comes to big financial decisions affecting the whole family. That job, most of the time, falls to the husband. And that, Adelman states, is what needs to change.

The easiest way for husbands and wives to talk about money and their finances is when they fill out their tax return for the year. Women need to be included because they need to learn their way around the finance world.

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