Approximately 39% of marriages end in divorce, according to Business Insider. Like anything else, these splits do not occur in a vacuum. More often than not, there are telltale signs that marriages are not going well.

What if we could reliably predict divorce before it happens? Use these red flags to determine if your marriage is in trouble and likely headed for divorce, especially if you fail to do anything about them. Here are some of the most common problem areas in marriages that you do not want to ignore.

1. Money Troubles

Financial troubles may be the number one indicator that your marriage is bound to fail, certified financial planner Stanley Corey tells Business Insider — and financial troubles can easily rear their ugly head without adequate planning. For example, rent and/or mortgage payments and monthly bills ought to add up to 30% of your monthly income, financial experts and BestColleges.com writes. If your expenses are any higher, you’re setting yourself up for potential money troubles and plenty of undue stress.

Money troubles are not confined to day-to-day expenses. Extravagant purchases made on a whim can cause tension and partners may view making large purchases without adequate discussion as a breach of trust.

2. When It Comes To Parenting, You Do Not See Eye-To-Eye

Unfortunately, parenting can cause rifts in your marriage. “After having a baby, 67% of couples see their marital satisfaction plummet,” The American Psychological Association (APA) writes. This plummeting satisfaction is not inevitable. Learning a few skills can significantly decrease your chances of butting heads as new parents and seasoned parent.

According to the APA, parents can attend workshops or work with a marriage counselor to build key skills, like building an ongoing bond and friendship, creating shared meaning, and sharpening conflict resolution skills. Small steps, like asking each other open-ended questions you may ordinarily ask on a first date, keep your bond alive and thriving. Similarly, rituals, like eating dinner together and scheduling a designated family playtime, engenders lasting meaning for you to share as a family and as a couple.

If you do end up getting a divorce, prioritize healthy co-parenting. That means making clear and rational decisions about child custody. Think of your child’s needs first, then consider some of the most popular ways to divide up child custody. For example, in many cases, the custodial parent spends 277 days a year with their children; the non-custodial parent spends 88 days. As you co-parent, aim for open and stress-free communication with your partner. That looks different for everyone. That may entail weekly calls, short, to-the-point texts before and after picking your child up, or lengthy email communications.

3. You Have The Same Fights Over And Over Again

Conflict can be productive if it leads to resolution. Arguing about the same thing over and over again without resolution, on the other hand, is not productive. It leads to frustration, resentment, and a tendency to focus on your partner’s negative attributes.

Stop the cycle by seeking help from a mental health counselor. Take the initiative sooner rather than later. If the pattern is undeniable to you and your partner, it’s time to go to couple’s therapy right away, not wait and go months — or even years — down the line.

4. You’re Not Spending Enough Time Together

Spending quality time together as a couple is not optional. Over time, spending too little time together will wear away at you and at your relationship. Work, children, relatives, friends, and hobbies can easily take up all your time if you’re not careful.

Schedule time to spend together as a couple at least semi-regularly and stick to it. You need those moments and memories to keep your friendship and marriage alive. According to the Institute for Family Studies (IFS), you can rekindle your old flame with your spouse by making time for traditional dinner dates or — if those are becoming tired and routine — compiling ideas for new, exciting dates. For example, go dancing together, go to a rock climbing gym, or take cooking lessons as a couple. Experts recommend scheduling consistent dates for an absolute minimum of eight weeks.

5. Intimacy Suffers

When couples’ sex life suffers, their marriage often suffers, too. Lack of intimacy can cause a rift for several different reasons. Partners may feel rejected, harbor resentment, or even feel compelled to be unfaithful if their sex lives suffer too drastically.

Of course, it’s not all about what happens — or does not happen — in the bedroom. Intimacy also refers to physical intimacy, like holding hands, kissing, cuddling, hugging, and comforting your spouse when he or she is upset.

Most of all, it is important for couples to do what they can to ensure that they do not end up feeling like roommates or like they’re stuck in a strictly platonic marriage. A sex therapist or marriage counselor can help — as can setting aside time for dates and intimacy, keeping talking about bills and mundane day-to-day obligations out of the bedroom, and holding hands more often.

No one wants to get a divorce. Some relationships survive these trials. Others do not. No matter what happens, be kind to yourself.

Look out for the warning signs or problem areas above, and do whatever you can to address them right away. Work closely with a trusted mental health professional to attack problems head-on, determine sustained efforts to improve your marriage, and get an objective, third-party opinion on marital challenges.

If you are considering divorce or in the process of divorce, take things one day at a time and do what’s best for you and your family. Often, that means opting for low-conflict resolutions outside of court.

With a reliable lawyer and/or mediator, you can settle disagreements as civilly as possible — and often before they ever go to court. Just like litigants settle an overwhelming 96% of personal injury cases outside of court, a growing number of divorces are being amicably settled before couples ever step foot inside a courtroom.