Flowers and candy can go a long way toward keeping romance alive, but for young couples, they might not be salve enough to heal financial problems.

That is the conclusion of  a new study that found that finances have become the largest relationship problem for 88 percent of millennials aged 25 to 34 who are married or living with a romantic partner.

The survey by the American Institute of CPAs and the Ad Council found that financial decisions caused tensions in one in five relationships on a daily basis, with an additional 31 percent reporting weekly stress from money issues.

The survey confirms previous research on millennials showing that while they are thinking about their finances, they’re not necessarily planning adequately for their future. Only 42 percent of millennial couples have discussed their long-term financial goals as a couple and 33 percent have developed a retirement strategy.

Millennial couples haven’t taken control of their short-term finances yet, either, according to the survey. Just 51 percent of couples have established a monthly household budget.

As these couples learn to live together, they’re experiencing conflicts in their financial philosophy—50 percent of the millennial couples surveyed said that combining finances with a partner who saves differently has become an obstacle to saving more.

Couples face a wall of silence around their finances, too. Just 56 percent have discussed their individual savings and spending habits with one another.

Less than half of millennials who are married or living with a partner, 47 percent, report sharing their expenses equally.

The study surveyed 500 employed adults between the ages of 25 and 34 in December 2015.