From December 15, Decree 282/2025 (replacing Decree 144/2021) regulating administrative sanctions for violations in the fields of security, order, and social safety; prevention and control of social evils; prevention and control of domestic violence will take effect.
Notably, this decree adds regulations on punishing acts of economic violence in the family, overcoming the current gaps in Decree 144/2021.
Controlling assets, income, or forcing financial contributions from the husband or wife is considered an act of economic violence and will be fined from 20 to 30 million VND. This further reinforces why financial experts encourage couples to maintain transparency and autonomy in money management.
In the context of strong sanctions to protect the autonomy of family members, maintaining financial independence of a couple becomes a current issue, not only a personal choice but also a protected right.
According to Ms. Katy McDonald, Certified Financial Consultant (CFP®) at Brighton Jones, the couple's desire to maintain financial independence does not reflect the lack of commitment in their marital relationship.
For many people who get married in their 30s and 40s, they have a habit of managing spending separately and effectively. Maintaining financial autonomy helps them continue to live up to their familiar money management methods.
In fact, many couples have contrasting spending habits such as a generous person, a thrift person. This difference is a source of stress for married life. managing private accounts helps couples avoid unnecessary conflicts from the habit of spending on opposite things.
In addition, if a person gets married with private loans, financial independence helps them to be independent in paying on time without putting pressure on their common life.
Clear division of financial responsibility helps maintain harmony in the family, preventing potential stress related to debt.
Building a financial system
Many couples choose to contribute an amount of money corresponding to their income to a common account to pay for family living expenses.
Meanwhile, they still maintain their separate accounts for personal expenses.
This will respect each person's financial autonomy, while ensuring that no one has to bear the burden of unfair daily spending.
The assignment of labor should be expanded to financial tasks. The husband or wife may manage daily expenses, while the other person may handle long-term investments and savings. This division takes advantage of each person's strengths and helps the common financial life to be better organized and controlled.
Regularly reviewing your finances together is necessary to maintain transparency and ensure that both are still moving towards a common goal.
A couple can choose to assess their financial situation each month, helping both of them participate and grasp information about their financial health and progress to achieve their goals.
