On the Money

On the Money is a monthly column written by Nicole Dieker, a personal finance expert who has been writing about money for over a decade. Below, you’ll find her thoughtful answers to readers’ questions on lifestyle creep, managing credit card debt, combining finances with a partner, and more. If you want advice on making wise choices with your money or guidance through any of the complicated emotions that may come alongside big financial decisions, you can submit your question here.