Valentine's Day is a day of love, flowers and spending time with that special person in your life. But what if that special someone is cheating on you -- financially?

The National Endowment for Financial Education found that Americans are being cheated on monetarily  and they might not even know it.

"Their spouse is hiding bills, cash, credit card bills and bank statements. Anything like that counts as financial infidelity," said Pat Searman of the NEFE.

Searman says people just think that money is private and they should keep it, even from their spouse.

The other reason is: people are afraid mostly of their spouse and whether or not their spouse will approve of the financial decisions they're making.

Jerry Skrzycki with Lighthouse Tax and Investment Planning says the stronger you become financially as a couple the more enjoyment and happiness and peace of mind you're going to have in that relationship, and you can truly grow old together and feel happy about where you're going in life.

You can test your financial compatibility with your partner by clicking here.