According to a report by the American Psychological Association, money is the leading cause of stress for Americans today. But there are ways to approach talking about money which can lower stress levels and actually bring a couple together, rather than drive them apart. In this personal essay, Carl Richards, a financial planner and behavioral expert, uses a personal story about his own marriage to relay some simple ways to deactivate financial minefields. The key? Only talk about important matters like money during periods of high energy, because if your are in an irritable mood, you and your partner are more likely to explode. How do you approach talking about money? Do you consider these conversations to be a source of stress, or a way to assuage it? Share your tips and personal experiences in the comments.