A recent Kansas State University survey determined that how couples deal with money is the No.1 predictor of a successful marriage versus a divorce. And very often it comes down to a matter of needs versus wants. Our basic needs are indeed basic: shelter, food, clothing, and health care. Beyond that, everything else is pretty much a want. A recent Experian Consumer Services survey determined that 95 percent of young people considering marriage deemed financial responsibility in a partner the most important trait—that’s right, more important than physical attractiveness and career ambition. In fact, most of the young people surveyed said they looked at credit scores to really understand their potential new spouse.