[originaltext] M: And this morning, on today’s "Money Marriage and Your Finan

M: And this morning, on today’s "Money Marriage and Your Finances", you’ve spent your life building your nest egg, and protecting your assets and then it happens. You fall in love. But is marriage a good financial move for you? Here with some advice is Money in Today’s Financial editor Jane Taylor. Hi, Jane!
   W: Hi!
   M: So marriage is a beautiful thing. But look at it from a cold financial perspective. Is it a smart thing to get married?
   W: It puts a lot of people’s assets into a risky position. Because think about it this way, we are getting married later, which means we are coming at marriage by the time that we have houses, and retirement accounts. We may have kids from a previous marriage. And we want to take care of all of those things, but getting married can actually put those assets in a dangerous position.
   M: And having that money talk when you are in love is so hard, isn’t it?
   W: Talking about money still makes me painful, but if you don’t have these conversations, then you are going to really do yourself serious financial damage.
   M: So painful it is, you got to have the talk. Okay! First, let’s talk about income. Now here is a question for you. Can getting married lower your income?
   W: It absolutely can. You can earn up to 25, 000 dollars a year as a single person, but if you get married, the whole family can only earn up to 32, 000 before you get taxed.
   M: Well, let’s talk about kids. Let’s say you have kids in college, pretend, or you have a grown kid. How does getting married later in life affect them?
   W: If you have kids who are about to go to college, your new spouse’s income can be taken into consideration to form those financial aid formulae. So you might marry somebody who’s earning a lot of money. All of a sudden this child who you thought would be eligible for financial aid may not be. And that may make it difficult to pay for school, depending on how you’ve set up the finances. You also have to look at the question of inheritances. If your new spouse is gonna all of a sudden inherit everything that you have, your kids are all of a sudden not going to inherit unless you take care of that in your wills.
   M: OK. Let’s talk about the pros of getting married financially. Whafs the good side of that?
   W: There are some good things in terms of real estate. Two can definitely live more cheaply than... You know, two together can live more cheaply than two apart. Also you can save money on car insurance premiums, homeowner insurance premiums. So there are some good things.
   M: And again, you know it’s just important to have the money discussion no matter how painful it is, right?
   W: Absolutely.
   M: OK, Jane, thank you so much for the great advice. We appreciate it. And you can find more of Jane’s advice on our website at todayshow. com.
   This is the end of Conversation Two. Questions6 to 10 are based on Conversation Two.
   Question 6
   Should we talk about money before marriage?
   (pause: 10 seconds)
   Question 7
   How much can a family earn if they are not to be taxed?
   (pause: 10 seconds)
   Question 8
   How would getting married affect your children financially?
   (pause: 10 seconds)
   Question 9
   What is the financial advantage of getting married?
   (pause: 10 seconds)
   Question 10
   What is the interview mainly about?
   (pause: 10 seconds)