For many young Malaysians, marriage is no longer just about finding the right person, it's also about achieving financial stability.

With rising living costs, expensive housing prices, student loans and increasing daily expenses, many Gen Zs are choosing to delay marriage until they feel more financially secure. While love remains an important factor in any relationship, financial compatibility is becoming just as crucial.

Experts often point out that money-related disagreements are among the leading causes of relationship stress. That's why understanding a partner's financial habits early on can help couples avoid future conflicts.

Here are eight financial red flags to watch out for when dating:

1. They constantly live beyond their means

If someone frequently spends more than they earn, relies on credit cards for everyday purchases or constantly upgrades their lifestyle without the income to support it, it could indicate poor financial management.

2. They avoid talking about money

While discussing finances can feel uncomfortable, completely avoiding the topic may be a warning sign. Healthy relationships require openness, especially when future goals such as marriage, buying a home or starting a family are involved.

3. They have excessive debt with no repayment plan

Having debt isn't necessarily a problem. However, if a person has accumulated significant debt and shows little effort to manage or repay it, it may signal deeper financial issues.

4. They frequently borrow money

Occasionally needing financial help is understandable. However, repeatedly borrowing money from friends, family or even their partner may indicate a pattern of financial instability.

5. They have no savings at all

Unexpected situations can happen to anyone. Having at least some emergency savings shows financial responsibility and preparedness for life's uncertainties.

6. They are secretive about their finances

Trust is essential in any relationship. If your partner hides purchases, debts or financial obligations, it could create bigger problems later on.

7. They have unrealistic financial expectations

Wanting a comfortable lifestyle is normal. However, expecting luxury spending without a realistic income or financial plan may lead to disappointment and financial strain.

8. Their financial goals don't align with yours

One person may prioritise saving and investing, while another prefers spending freely. Neither approach is necessarily wrong, but major differences in financial values can create tension in the long run.

At the end of the day, financial compatibility doesn't mean having the same salary or bank balance. It means sharing similar attitudes towards money, responsibility and future planning.

As more Malaysian Gen Zs postpone marriage due to financial concerns, having honest conversations about money may be just as important as discussing love, family and long-term goals.

After all, a strong relationship isn't built solely on romance, it's also built on trust, communication and a shared vision for the future.