couple lying in bed (Photo: Getty Images)

Maybe you're in premarital counseling right now, or maybe it's the last thing on your mind. Either way, you already know there are a few touchy issues engaged couples are "supposed" to talk about before making it official. Well, we asked a few seasoned couples therapists to tell it to us straight. They mapped out the tough talks to have with your soon-to-be spouse before heading down the aisle, so consider this your guide to counseling yourselves.

1. You should talk about: Kids

If it hasn't already come up, now's the time to discuss whether you want children. But here's the surprising thing: You shouldn't stop there. Our experts agreed that it's important to discuss where you each stand on the issues that'll crop up once you start trying to have kids and when the tykes are actually around. "Are you open to adoption if it's necessary?" asks Rebecca Hendrix, a licensed marriage and family therapist in New York. And once you have kids, "How should they be disciplined when they disobey?" asks Vivian Jacobs, a licensed marriage and family therapist in New York. Issues like these can become knock-down, drag-out fights later on, so it's better to discuss them now.

But it's okay to disagree on: How many kids you think you want right now. "Once a couple has their first kid, they'll have a better idea of how many children they really want," says Jaclyn Bronstein, a licensed mental health counselor in New York. Right now, the number isn't as important, Jacobs explains, "as long as you agree on a timetable -- how many years you want to wait before having children."

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You should talk about: Money and your careers

One of the biggest things married couples fight about is finances, so talk now to skirt arguments later, Bronstein says. Decide whether you'll pool all your money or keep separate accounts, and determine which accounts you'll draw from for everyday expenses and for big investments. And if one of you is a spender and the other is a saver, choose amounts to set aside for the future and for personal spending that you'll both be satisfied with. "No one has the right answer to what your money strategy should be," Jacobs says. "You just have to live within your budget, figure out what works for you, and be reasonable and communicate." On the same note, talk about your career plans. Where do you want to be in five years? How do you see your 9-to-5 -- and your salary -- evolving over your lifetime? Getting both your expectations in line with reality will cut down on money-related arguments later, Jacobs says.

But it's okay to disagree on: How many hours you should be pulling at work right now. "If someone has a busy job and works 12- or 14-hour days, that might be a big issue at the beginning of a marriage," Bronstein says. "But maybe they agree that getting financially stable is more important in the long run." That's a trade-off that works, she says.