Even in the best of times, couples regularly argue about finances. But at this juncture, when so many Americans are feeling stung and frustrated by a weak economy, a housing-price collapse, and a stock-market crash, it's particularly critical that newlyweds -- and even long-time spouses -- are on the same page when it comes to money.

Of course, that's not always the case, because not everyone is knowledgeable about money.

Sure, most people reflexively think they understand money, because just about everyone has been handling cash in some fashion since grade school. More likely, though, they have a basic understanding of spending, which is why so many households are in such dire straits these days.

Too many people know too little about budgeting, saving, investing and spending wisely -- the basics of family finance. And when it comes to marriage, that's where problems arise. In a relationship, each spouse should know if the other possesses basic money knowledge, since the wiser you each are financially, the smarter the decisions about money you'll make together -- ultimately leading to a more fulfilling relationship.

Clearly, financial prowess doesn't reside in everyone, nor does it appeal to everyone. Moreover, success in marriage doesn't rest on absolute mastery of the intricacies of personal finance. Still, if neither of you -- or only one of you -- really understands the dollars and cents of daily life, you're likely to spend your relationship continually insecure financially, or frustrated with each other, maybe even routinely fighting.