According to the "Beyond Banking" survey, the majority of respondents who live with a roommate or family member (other than a spouse/partner or child) had pretty clear expectations about when they think they would first talk about money if they were to ever move in with a partner or spouse:
77%
5%
4%
54%
21%
said they would wait until after they moved in together
said they would have the money talk before moving in together
For those surveyed who already lived with their spouse or partner, it worked out a little differently:
said they first talked about money before moving in together
first talked about it afterwards
said they haven't ever had a real talk about money with their partner or spouse