Personal finance guru Ramit Sethi has issued a stark warning about the perils of dodging crucial money talks, suggesting it could spell financial chaos for couples.

He’s slammed the common practice of splitting the bill on a first date, arguing that it’s not the act itself but the mindset behind it that’s problematic.

According to Sethi, most people are “so obsessed with $3 questions” like “Can I afford this appetiser? ” or “Should I buy this coffee” that they miss out on addressing the more…