High living and the ensuing debt wreck marriages. When a couple lives beyond its means, sooner or later, money worries and finance woes assault a marriage. This simple test comes from Consumer Credit Counseling. If you answer yes to any of the following questions, you should take a closer look at your finances. If you answer yes to four or more, you are probably in financial trouble. This is a good test for people to take before they marry and for them to take together from time to time after they marry.