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5 Money Questions to Ask Your Partner!

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Nothing is less romantic than talking to your partner about their financial history, but finances cause major stresses in relationships. A lot of these stresses can be tackled by communicating without judgment. Here are 5 financial topics you should discuss with your future partner.
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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Julia Lorenz-Olson and Andrew Matthews
Produced by: Katie Graham & Amanda Fox
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Music by: APM
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Опубликовано:

12 фев 2019

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Комментарии : 915

@clairewinchestermurray8703 10 месяцев назад

I and my partner were at a crossroads regarding our finances. We both agreed to talk about it and sought a solution. I’m glad we found a way out although it's with professional help, but that marked the turning point in my finances.

@clairewinchestermurray8703 10 месяцев назад

Well, we've gotten into a plethora of assets with $73k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. We've been investing with the help of a pro fund manager, Herman W Jonas who oversees our investments. Now we sit back and reap the dividends as we just reinvest at intervals.

@Jakebottom 10 месяцев назад

Do not forget, when it comes to stocks that prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

@Lilybee931 10 месяцев назад

Working with a fiduciary like Sir Herman has given me peace of mind in my stock investments. They prioritize my financial interests and have guided me towards stocks with strong fundamentals, resulting in consistent growth over the years.

@shanhussain6114 5 лет назад

This channel is secretly nudging me to think about getting married. Lol... Did my parents speak to you guys or something???

@TwoCentsPBS 5 лет назад

Haha! Maybe. Or maybe it's February 13th and something's in the air...

@shanhussain6114 5 лет назад

@@TwoCentsPBS haha I'm sure if I find a nice girl, I can share a delightful conversation about our finances on Valentine's Day 😂

@Shane101A 5 лет назад

The divorce rate is 50%. It's like playing Russian roulette with a loaded gun and a coin toss. Heads you win, tails you lose. Buts it's a 50% chance to lose, every day, every year.

@shanhussain6114 5 лет назад

@@Shane101A thanks for the motivation 😂

@shayson1357 5 лет назад

@@shanhussain6114 bro he is right... unless you live in a country were a woman can't divorce you and take your stuff and kids then DON'T do it.

@baganatube 5 лет назад

Questions ready, now I need a girlfriend.

@carultch 5 лет назад

You don't really need a girlfriend. Count your blessings. All the anniversaries you don't have to remember, all the holidays you can blow off, all the gifts you don't have to buy, and the quarter million you don't have to spend on having that unexpected child.

@famicomnintendo 5 лет назад

@@carultch I used to think like that. One day I saw my ex at the park with her 3 kids, that's when I realized no matter how much money I make, without a family, I am the one who is poor.

@mesidye 4 года назад

Are you sure about that? Bet she would beg to differ.

@pseudonymshqipe854 4 года назад

@@carultch I agree to a certain extent. I love being a parent though. I love my son.

@GameFuMaster 4 года назад

@@famicomnintendo you'll still end up with no family and still have to pay as though you did. I.e. divorce -> alimony + child support.

@yancycapri 5 лет назад

1. What do you EARN, OWN, and OWE 2. How was money dealt with in your household growing up 3. What will be yours, mine and ours 4. How much do you want to spend on kids 5. What are your financial goals in order of priority

@sarah3796 5 лет назад

Yancy Capri thank you!!

@MrG__2 4 года назад

Thanks

@utube230 4 года назад

Mvp

@CaptiaNIFTY 4 года назад

I like financial goals. This is good.

@kaseywoody4951 3 года назад

Number 6. Are you willing to sign a Prenuptial Agreement?

@WealthbuilderzTV 5 лет назад

Finances cause so much issues and will end up in divorce. Talking about money is hard but these questions are really good.

@TwoCentsPBS 5 лет назад

Glad you think so. Thanks for watching!

@sophiabel6621 5 лет назад

@@TwoCentsPBS what do we do when the answers are not what we like them to be? How can we resolve differences in financial behavior?

@TJ-oo5mx 5 лет назад

@Sophia Bel See a relationship counsellor or maybe a religious leader (ie: pastor) They can do wonders for relationships!

@Linda-bj3bb 3 года назад

Debt killed it for me. My ex fiance snowballed his debt in the wrong direction. He went from $8k to $15k then $27k in 1 year and 6 months and had nothing to show for it.

@kikitaughtme 5 лет назад

You guys deserve your own tv show on finance! Your approach is refreshing and will spark interest in finance in people who don’t like the subject.. keep up the good work guys.

@sarahmedouni8844 5 лет назад

fuck TV, this is better

@angelstarfire 4 года назад

No TV! They fine the way they are

@sayingnigromakesyoutubecry2647 3 года назад

Are you a boomer?

@TheBemused 5 лет назад

I find it fascinating how many people in committed relationships don’t know how much their partner makes. SUCH an important piece of your relationship. -Akeiva

@anikiforova 5 лет назад

I ask my husband how much he makes about twice a year, and somehow always forget. But we've been married for 12 years and by now he's used to it :D

@zakosist 3 года назад

That makes sense, but when I think of it I don't know exactly how much money anyone other than myself is making, and I only know approximately for myself

@ChrisPTY507 3 года назад

Why would I want my gf to know how much I make? I earn 6 times what she makes and I don’t want gold diggers. I don’t know if my gf is gold digger but I don’t wan her to know such sensitive and personal information

@thebridge5483 3 года назад

@@ChrisPTY507 right but I think this more for if she will be your wife long life partner

@KINGKUSHORLANDO 2 года назад

@@ChrisPTY507 Same then they will instinctively want you to forkout on every date next thing uk you aren't anything but a wallet I make my girl think she is better at saving and finance than me sometimes it hurts my ego but better than my pockets😉

@bencorwin 5 лет назад

Who knew RU-vid could be saving people's lives? We need more channels like this one.

@TwoCentsPBS 5 лет назад

That's so sweet, thanks Ben!

@bencorwin 5 лет назад

@@TwoCentsPBS You're welcome!

@Doors067 4 года назад

Her: you wanna go back to my place? Him: your "place"? How much is your mortgage?

@moncef0147 5 лет назад

Actual useful information, love your videos guys.

@TwoCentsPBS 5 лет назад

Thanks so much, glad it's helpful!

@valueStocks 5 лет назад

*The number one negative force in relationships- money. The number one destructive force in finance- relationships😲*

@spghost4135 5 лет назад

My girlfriend doesn't understand the difference between needs and wants there's no way I'll share an account with her. Love her to death tho

@Maroon_007 5 лет назад

You love her death?

@Maroon_007 5 лет назад

@@spghost4135 oh

@TwoCentsPBS 5 лет назад

Might be a good topic for y'all to communicate. A shared vision of "needs vs wants" is critical for any long-term relationship!

@wickedspell85 5 лет назад

Next time that she wants something make her hold her breath and ask her if she needs the shoes or wants the air?

@mweezy 5 лет назад

My girlfriend is a dreamer too but my parents keep telling me that it's nothing that should stress me out because reality will hit her soon. For instance, she likes to send me photos of beautiful homes and vacation places that she finds online and asks what I think about these photos. 😒

@bigtex68 5 лет назад

Y'all two are awesome! I get more financial advise from these videos then i ever got from my own family! Thanks! Keep up the great work!

@TwoCentsPBS 5 лет назад

You're very welcome Esau! Thanks for watching! - Philip

@mweezy 5 лет назад

Me too! 🙂

@DamonLeeK 5 лет назад

It is so important to talk about money with your family.

@Autumn_Blessings 4 года назад

Been dating for 9 months now. We're starting to have these conversations. I told him I'll only accept the ring if its completely paid for and not on credit lmao

@lovetobe6118 3 года назад

My husband and I had this list of 111 questions we agreed to ask each other while we were dating. We got them from a man who taught an awesome marriage relations class. We would only do one to three questions a day and spent a lot of time going into detail.

@LuzEngineering Год назад

Mind sharing these questions on email?

@lovetobe6118 Год назад

@@LuzEngineering I will send you a link you can click on to view. I will just get it set up for you.

@CakeOfNumminess 11 месяцев назад

Could you also please send me the link?

@AdeshDsilvaRohan 9 месяцев назад

Can you send me the link too? Thank you

@marufkhan6343 9 месяцев назад

yeeh, link plzzz for the questions!

@lavayuki 4 года назад

Me and my ex always fought about money and we eventually broke up because of it. Money is one of the most important things in a relationship. I think it's best to have a separate account for personal purchases like hair and makeup, in addition to a joint account for shared expenses like rent and groceries

@tinateews9494 5 лет назад

Great advices, when I was younger I didn't know better. As I get older and I realized that someone's financial habits is very crucial before marrying him or her. It will either ruin or prospect your finance for life.

@lobaxx 5 лет назад

Holy shit I'm glad to live in a civilized country where having a kid won't ruin me financially.

@asymkowick 5 лет назад

pls help

@zhdfzfjvzrtuztuzt 4 года назад

Wait and see ...

@leila_de_hautjardin 4 года назад

Where do you live ?

@ninja.saywhat 4 года назад

@@leila_de_hautjardin He's got Swedish name so I take it he's from Sweden.

@silvasilvasilva 4 года назад

I am just shocked that a family is supposed to spend a fortune if they want to adopt. Really, this is wrong in so many levels.

@RangerRuby 5 лет назад

Such a fun video! I loved how you guys could give your own personal experience with every tip, helping with the ideas you were sharing! I think we should always be thinking about the future ( even the distant future for me ) and how we can do better and these videos really help! Thanks for sharing!

@TwoCentsPBS 5 лет назад

We didn't really think about this stuff until years AFTER we got married, Ruby. And that caused lots of strife and tension for us. Glad you're thinking of these things beforehand... hopefully you can avoid some of the mistakes we did by avoiding the topic of money!

@rhyno8644 5 лет назад

Nobody talks about money because most people are in debt. But everybody looks the part. Look at the percentage of people delinquent in housing and student loans. Then look at the percentage who have less than 20,000 in a bank account or nothing. Both are really high numbers.

@abrahemsamander3967 5 лет назад

I love the idea of a “money constitution” for couples. The notion of couples talking about their financial goals is very clever and definitely sounds worthwhile.

@MrPrimoPR 5 лет назад

When financial problems knock on the front door , love will usually jump out the back window.

@diceyDA 5 лет назад

I am 14. *WHY AM I WATCHING THIS?*

@williamdion1236 5 лет назад

Better now than ever. The earlier you're responsible with your money, the more good habits you'll have already

@mr.boomguy 5 лет назад

@@williamdion1236 Very well said👌!

@diceyDA 5 лет назад

@@williamdion1236 kkkk. So i am not as weird as i thought i was! 😅

@diceyDA 5 лет назад

@@williamdion1236 thq for the advice

@diceyDA 5 лет назад

@@tzoulianoxo750 Working on it! 😅

@ivanroxx92 5 лет назад

Y’all, I can’t be grateful enough to have been shown this channel where I am at in life right now

@faustin289 4 года назад

Joke is on you, my wife didn't even have a bank account when we married. Discussing credit score, earnings, and financial merger was out of question. Easy peasy!

@norma8686 5 лет назад

I didn't know that a lot of couples argue about money, I've been married for almost 15 years now and I've never argued about money with my husband.

@Maroon_007 5 лет назад

Lucky.

@mattpalmq 5 лет назад

Do you both have good paying jobs?

@TwoCentsPBS 5 лет назад

Hmm. That's very unusual Norma. Yep, definitely the most common cause of fights, stress, and divorce in a relationship! Out of curiosity, do you both work or does one of you have a high-paying job? - P

@norma8686 5 лет назад

@Matt P I don't have a job, I'm a housewife while my husband's job...I guess it pays well, he works for 5 days a week for 8 hours everyday and gets a bit over 1700 euros a month.

@ibmtpx24 5 лет назад

@@norma8686 I am hoping that I did not start something out of nothing but are you both involved in money making decisions for the family? If only one of you manages the money, and the other does not get involved, then explains the lack of money argument. And it's not good.

@shaheer4166 5 лет назад

Hey Philip and Julia, as always, the videos you guys put out are always informational, quality, and overall captivating. As a young teenager I would really love it if you could perhaps explain more of the things that people don't brush on until later on in life when we teens grow older. Hopefully you guys can arrange something.

@TwoCentsPBS 5 лет назад

What kind of topics do you have in mind? We've touched on university selection, buying a house, a car, starting a small business. Something you'd like to see in a future episode we haven't covered yet? - Philip

@shaheer4166 5 лет назад

@@TwoCentsPBS Should us 'millenials' really be spending so much on clothing? I believe you guys have already covered Food, supermarkets, credit score and houses. I personally think that clothing may be a feasible topic. This was the only main thing i was able to come up with. Thank you for taking out your time and reading this.

@jaime9344 5 лет назад

Great topic. I hate to bring up the P word.... prenuptial. The future partner needs to fully disclose debt in case things go south there are surprises.

@lukpisimoh 5 лет назад

This video is so American it's funny. "Right now, sending your child through a 4-year college costs 100K. ask yur partner about their *credit score*!"

@leila_de_hautjardin 4 года назад

You’re right ! In France, college doesn’t cost that much (less than 1,000 € for 5 years unless you want to send your kid to a private business/Engineering school)

@chastiana 3 года назад

I mean they are american...

@lukerider479 3 года назад

Oh so do your professors work for free? Are the colleges built and maintain at no cost? Are the book and material donated for free? Or do you mean everyone pays large taxes regardless of if they go to school and the government pays for it making it not free?

@TheMirrrl 2 года назад

@@lukerider479 Well in most European countries taxes are higher than in the US, BUT first of all: You'll start paying taxes as soon as you get your first paid position which happens AFTER the graduation. So you can start your career debt-free without the crippling anxiety of not being able to pay back a shit ton of money. Second: like this, people from poorer families can afford good education as well.

@lukerider479 2 года назад

@@TheMirrrl so many people from other countries believe this about the US probably because our media makes it their mission to make it seem this way. College here cost money you pay it back and then you are done even if it takes a long time you are eventually done. In Europe you have crippling taxes for life to pay for your school. Second school here can be done much cheaper than many choose to ie community college or in state schools. Third we have a robust safety net that help the poor with many things including school.. difference is here I can make those decisions on what school I go to, how much I am willing to pay or if I need to go to college at all. In Europe you have no choice if you stop after high school they still require you to help pay for those that will go on to out earn you. Difference is choice

@fuzzylon 3 года назад

Yes, yes, yes! I wish I'd seen this video when I was younger - I have never had a conversation like this before getting serious with someone and, at least one relationship ended because I couldn't handle our differences. I also know now that I have brought bad habits from my childhood with me without realising this until I got in to my fifties. This video has such good advice.

@whod_guy 5 лет назад

You are the best. The topics you pick are very important and to my knowledge, there isn't any channel on RU-vid better than yours in this genre. Keep it up, guys. Fan from India

@TwoCentsPBS 5 лет назад

Thanks so much Thulasi. So glad you found our little channel! - Philip

@tashmoore3825 4 года назад

I've always appreciated that one thing he & I (we) have never argued about is money. While navigating entrepreneurship (sometimes messily) we've been pretty transparent about things like student debt & utilities. We have room to grow in communication & that's thankfully an area where we have a lot less resistance than other areas. When we separately began changing our mindsets towards money & educating ourselves, it really encouraged me. I am looking forward to sharing finance goals & tackling conversations that will require grace & confidentiality. I'm confident that half the battle was won before we knew it. 🎯

@tashmoore3825 4 года назад

He's aware that my family's stories regarding money have impacted me very negatively, however, I'm grateful for lessons learned & that we don't have to let them derail our dreams. I'm incredibly grateful for forgiveness & reforgiving. And certain experiences don't have to be repeated. When we discuss these events, we'll have to keep our hearts open. 💜

@tashmoore3825 4 года назад

I was triggered while watching, but like the noting exposure therapy exercise, I get to decide that learning to share these values & building trust will outweigh the tough moments in the long run. I'm noting that this was difficult & the overall good will prevail.

@johnpaulsylvester3727 5 лет назад

Thank you for assuming that I may actually get married someday...

@AxelQC 5 лет назад

Planning your wedding is a major reason why you have financial troubles.

@engrumarkhan 4 года назад

Why to be in dept for stupid wedding planning? It should be simple and the money saved can be spend on honeymoon trip!

@gringa23 3 года назад

Or have a small wedding and use your money for something like a honeymoon I’m thinking $22,000+ my god! Just give me a zoom wedding lol

@mishnanua2038 3 года назад

Me and my wife have our joint and separate predetermined money, and any purchases for the house or big items like a car, are discussed before buying them, so that we both are happy about the purchase. At first these discussions were tough, but now they are just normal conversations, even when we disagree. For instance we have made the decision to start going for a sit down meal every month, so we can spend time together away from home.

@isabelchaparro2608 4 года назад

These are important questions! I’m married today because he answered these questions, of course I wasn’t pushy or judgmental as I shared my details too. He had me at no kids to question 4 🎉🎉🎉

@chee1989 5 лет назад

crazy good channel.

@TwoCentsPBS 5 лет назад

Thanks so much!

@acampoverdeify 5 лет назад

Yes, this is one of the best channels I have seen in RU-vid.

@villafontananorte 5 лет назад

Few people in today's society believe in prenups like me. Love you, but if this goes south, your debt is your debt, whatever on your name belongs to you. Wish you the best. It will make the divorce process so much easy and friendly.

@KTSpeedruns 5 лет назад

Keep in mind people: your partner having a big debt isn’t a big deal. If your partner seems unwilling to pay it off or get out of debt, THAT is a big issue. If you have no debt, you’re less likely to even have money arguments.

@BoxStudioExecutive 5 лет назад

Hiding debt or not knowing about the debt is an even larger (and somewhat common) problem.

@wolfboy20 4 года назад

Facts

@TheRivle 4 года назад

Agreed. When my wife and I started dating I shared this info in a positive and respectful way that I was making minimum wage. 5 years later still married I've grown but she still makes more than me. I make it up by doing most of the chores in the house. Checks and balances.

@donwald3436 4 года назад

That's great until the bailiffs show up and take away YOUR stuff.

@Wolverine8091 4 года назад

I feel like this comment fit me well, thanks

@user-hn7bs5ow6c 5 лет назад

Lack of money is not as bad as lack of communication. Very true. Great video!

@anasssoulimani9288 5 лет назад

No girlfriend no financial problems! (Great vid BTW)

@6lemans10 5 лет назад

Sad.

@SteelTimeify 5 лет назад

@@Kimbrough87 you dont need a girlfriend to get booty. C'mon bro, ever heard of hookup culture?

@truerthanyouknow9456 4 года назад

"... and then, a few days later, come together in a NON-judgemental frame of mind to discuss the human story behind those numbers..." Hahahaha I love it.

@annaeverette8960 3 года назад

...what's so funny 😠

@gamethrough5530 5 лет назад

Is living in USA even financially feasible??

@robertonditi7715 4 года назад

🤔Nice point

@youtubebystander9294 4 года назад

Taxes is just crazy in there!

@myboringlife5779 3 года назад

Long answer short: not if your rich

@amschind 5 лет назад

The fixed "splurge money" for both folks seems like an extremely simple and effective solution to a complicated and all-too-common problem. I also loved the suggested format for bringing up finances with your partner in an email followed by a discussion.

@ericworthington7299 5 лет назад

1. What do you EARN. What do you OWN. What do you OWE. 2. How was money dealt with in your household growing up? 3. What will be YOURS, MINES and OURS? 4. How much do you want to spend on kids? 5. What are your financial goals in order of priority?

@engitect 5 лет назад

Second question is so NO NO for some people..

@blackbeltfinance4026 5 лет назад

Good topic and really good editing 👍

@kashishhashim6471 4 года назад

I'll be called a gold digger for being too curious about my patner's finances...

@carultch 4 года назад

If you are looking for a relationship as a solution to your financial problems, you are a gold digger.

@Nelle_B_ Месяц назад

I appreciate this information. I like having someone who can enjoy me as much as I enjoy me. Independence will always be my biggest boundary in any partnership. I don’t need anyone & don’t want anyone to need me.

@dallasdandigitalproduction393 3 года назад

Seriously great video. Its important to know if your partner spends money on lottery tickets as a retirement strategy or not,lol. Financial education is gold....

@therogueflieger 5 лет назад

I am going to send this video to my girlfriend to open up the conversation further. She and I are both pretty open about money but this video will be a great tool to make our future financial plans.

@Joe-jc5ol 5 лет назад

Goodluck

@laurenlopez4766 3 года назад

This questions can actually be awkward while still dating, maybe when marriage is already on the plan.

@chrishart8548 3 года назад

Still awkward after 13 years together. Mine won't discuss any of this. The car is coming off the road the end of October and I consider myself lucky if food lasts till I get paid again

@RideYEG 3 года назад

Finding a partner that shares the same views on finances is so valuable! Such a great channel!

@gabrielmicu4085 3 года назад

The problems is that money are hard to earn and even love is involved, your hardwork show be respected and apreciated.

@johnl119 5 лет назад

This is awesome...we've been married for 18 years n been together for 22 years n we've definitely had some money related "discussions"... but I'm going to literally follow all of the five steps to avoid any more issues in the future. I'm really glad I subscribed to your channel last year.

@TwoCentsPBS 5 лет назад

We're glad you subscribed too John. Good luck on those "discussions"!

@leelya6272 5 лет назад

Damn you guys are gonna grow old together and be just a s happy as now being such pros at this 😁

@TwoCentsPBS 5 лет назад

That's the plan!

@LegoSwordViedos 4 года назад

@@TwoCentsPBS You should do a video on the fiances of getting a divorce and how long to wait in the marriage to get the most money out of a husband, how to get the most Alimony, child support, and welfare possible while getting the majority of the assets.

@mookgg4861 4 года назад

@@LegoSwordViedos ?????

@alirahman4762 5 лет назад

1st piece of advice. Dont have a lavish wedding. Specially by taking a debt. That money could be well spent in life if planned properly.

@laconsuela69 4 года назад

This channel talks about a lot of things I learned in my family finance class in college. Invaluable info!

@paigelego4027 5 лет назад

I’ll never forget when my special someone asked me what my credit score was~ ❤️

@FlamerOHR 5 лет назад

Great advice, my wife and I have a shared online list of big things we want to spend on, grouping them to timeframes for priority and we openly discuss this list every month to reorder or add/remove

@BernardBanteKasibante 4 года назад

How this video came up in the Recommended. Very Insightful. Thank you Two Cents.

@goldfishcrayon 5 лет назад

I think most money arguments stem from different priorities or acts of selfishness. The hardest part of finances for my family is not having much money left for fun/savings. Thankfully we both have similar interests that aren't too expensive.

@ibmtpx24 5 лет назад

I would just ask situational questions about my partner's finances habit and attitude. If the attitude is toward using debt as leverage or solution, and does not change after knowing the effect of debt, then I will look for someone else. I have a financially dysfunctional family that treats money topic as taboo. It ends with me and that "it" applies to dysfunction or the family.

@rahmakhaleel7293 4 года назад

Having children in this economy is straight up insane

@robertonditi7715 4 года назад

Yep,i agree with you 1000 percent

@peterknight7880 4 года назад

I disagree. Even in the hardest times of the last 20 years, quality of life has been significantly better and making ends meet significantly easier than the preceding 1000 years. It hasn't stopped people beforehand. If you carry on with that fearful train of thought you won't ever have kids because things are never perfect. Kids are never perfect.

@robertonditi7715 4 года назад

i agree 100 percent

@engrumarkhan 4 года назад

I disagree, this means you are not managing ur finance right or ur priorities are not aligned. Childrens are best gift u can have..

@marc-andreservant201 4 года назад

Not if you save up for it. Also, if you have a highly skilled job, you can move to Canada where college is actually affordable for your kids and the quality of the education is just as good. I will finish school in a year with less than $8k in student loans thanks to my Canadian passport ♥️

@RobertA-bj7ou 3 года назад

Who better to give us financial love tips than such an amazing couple like these two?!😄

@chrishart8548 3 года назад

Unless it's just an act and really they don't get on that well!

@xhauntedpassionx 4 года назад

My boyfriend and I didn't even have to ask each other these questions, we just blurt out financially-related stresses, goals, excitements, and actions randomly as a way to get our thoughts/worries off our chests. We graduated college together but in completely different situations: he lived with his parents through school and has no student loans whatsoever, while I lived on my own throughout school and owe $33 000. He owns a new car and has to pay a lot on insurance and his car loan, while I take the bus everywhere and have no major transportation costs. We both have our individual thing setting us back, and are determined to support each other through tackling those issues.

@annaeverette8960 3 года назад

♥️

@MudusserHussain 5 лет назад

Me and my wife, we both have jobs and earn enough to support both of us if one quits his/her job (we just married). So I use my pay for the expenses and my wife's pay is saved in investment and fixed deposit.

@alejandrodelacruz81 5 лет назад

Bad Idea... split everything 50/50

@frankieduan5311 5 лет назад

@@alejandrodelacruz81 May I ask why you suggest that?

@alejandrodelacruz81 5 лет назад

@@frankieduan5311 First, he is just married. Im not a pessimist but things can go south real quick. I think both should put money on expenses and savings/investments.

@jrbqto 4 года назад

I don't want to be negative. But, if you both ever got divorced, how will her investments be shared with you. I believe 50/50 as well, life is just too unpredictable.

@jcrowley1985 5 лет назад

12k for in vitro and 40k for adoption. Why does it cost 3 times as much to take care of the kids we already have than it does to artificially make more kids? Adoption should be near free, as it only punishes the kid who otherwise would have a loving family. Likewise, in vitro should be discouraged as it only worsens the overpopulation problem.

@CranKun 5 лет назад

jcrowley1985 Say you adopt a kid from another country. There’s private investigators to make sure the child is legally able to be adopted and not kidnapped from a family. There’s the adoption agency workers you have to pay for in your country and the agents who work in the country you’re trying to adopt from. Then there’s the matter of physically getting the child to you or vice versa so you’re paying for transportation. Then there’s either fees for the foster family or the orphanage that need to be paid off. There’s a lot that goes into this.

@basedtiger8984 5 лет назад

1. Overpopulation is not a problem in every country. Many countries encourage their people to have kids to solidify the future workforce. 2. Everybody has the right to have a kid. Being born in a certain year/ region / country / should not restrict your natural born right to reproduce. It's a problem when people have children they can't afford or have time to take care of.

@TexasCountryLiving 5 лет назад

Public adoption through your state via foster to adopt, can cost near zero out of pocket.

@hatsuharu333 3 года назад

My husband is frugal, and I love it but sometimes he’s more cheap than frugal ! Or penny wise and pound stupid haha. For example, picking something because it’s the cheapest option, even if it’s not the best choice in the long run. However, I was the opposite. I grew up with parents who sucked at saving money and buy whatever they want if they could afford to. Meanwhile, my husband grew up with parents who pinched every penny. I don’t think I was ever as bad as my parents with money, but I still bought a lot of things I didn’t need, especially after getting my first full time job. We’ve been together for almost 10 years now (3 of those married) and I’ve seen us both changing a little over time to be a little more flexible and healthy with our spending! He’s willing to invest more in quality when it’s worth it, and I got better at stepping back and evaluating if I REALLY need something or not before buying it. Our # of disagreements about money per month are pretty low now.

@deathempire70 3 года назад

They got it right - have open communication with your partner! Not just on finances

@rachell1794 5 лет назад

Thanks for sharing this, especially the personal splurge money. If you don't mind me asking (and of course you can just ignore it) - why do you have equal amounts of money for personal budget rather than a percentage reflective of your income? (Assuming you don't have the same income - I have no idea). What are some pros and cons between splitting the splurge money equally versus based on income?

@TwoCentsPBS 5 лет назад

Love this question, Rachel! We've always taught that the paycheck you bring home is not reflective of your value in the relationship. For example, would a stay-at-home parent be less valuable or deserve less splurge money than the working spouse? Keeping the personal money equal underscores the fact that this is a mutual, democratic partnership... not a dictatorship We've seen over and over that splitting personal-money based on income inevitably leads to resentment and a "parent/child" dynamic for the couple around finances which can quickly get toxic. Just our two cents, and thanks for the fantastic question!

@rachell1794 5 лет назад

@@TwoCentsPBS Wow, I never thought of it like that. While I have your attention -- can you do an episode on planning and budgeting vacations? Thanks!! :D

@hunterdepriest2533 5 лет назад

@@rachell1794 my wife and I do the same thing. To us, when we got married everything became "ours". As such, we have equal spending amounts because we don't pay attention to who made what. The fact is that WE made $____ last month, and it's up to both of us to put that where we want it. Granted, some other budget items are used more heavily by one of us - she likes trying new things cooking, and I enjoy doing all the work on our old cars. But we still have a certain amount that is just for us individually, and it doesn't matter to us if our earning was unequal. :)

@deltabeta5527 5 лет назад

Right before valentines day! 😂

@C_HILL_OUT 4 года назад

Money problems is the biggest cause of divorce. I don’t agree with couples having separate accounts. If you’re joined as one in matrimony then join your finances too. A couple needs that transparency and accountability to each other. Couples together need to make a budget EVERY month. EVERY dollar needs to be allocated to something. My wife and I talk about what is important to each of us and we decide together how to achieve these goals. Get organized. Write it down. We keep a notebook with our budget to remind us what was talked about. Together my wife and I were able to pay off $190k in debt in 4 years. This wasn’t something that just accidentally happened. We did pretty much what this video talks about and decided on our goals together.

@megan5495 4 года назад

On question two: my partner and I have a joint account and our own independent accounts. The joint account is being used for rent, groceries, bills. We also have an additional savings account where we save $1000 per month, and then transfer that to a short term deposit account (time depends on the best interest rate at that time. Current it's 1.85% for 4 months). After that matures, we roll over + add in the money that's been saving up that time (for us that'll be $4000 for that 4 months. That plus the initial amount (add interest gained that goes into that new account). Keeps up independent while also saving up for a goal we both want

@prasadeej 5 лет назад

Your videos are amazing!! Love them. Btw how do you make your videos?

@TwoCentsPBS 5 лет назад

Thanks Prasadee! We shoot them in our studio in Austin, then an amazing team of animators edit, draw, and sound-mix to make it look snappy! The process takes about a full week per episode.

@adityasahani4321 5 лет назад

@@TwoCentsPBS I snorted 80 grams of fentanyl before watching this video.

@prasadeej 5 лет назад

@@TwoCentsPBS wow. Love the effort you put to every video

@eac-ox2ly 5 лет назад

Damn, this'd be hella useful if I wasn't going to die alone!

@reiniertl 5 лет назад

Married for 18 yrs now, two more yrs for more married time than single. Never had a discussion about bad financial management, not even when we did not have a penny. However, you nailed it on this one. Now that people focus more on wants and since common sense became the first casualty in the financial management war people MUST talk about these things before saying yes.

@DIAMONDGIRL57 2 года назад

I ask about finances long before my emotions get involved; before officially dating.

@dindings 4 года назад

Easy: don't get married, just force it casual

@alden2679 5 лет назад

Notification squad unite!

@TwoCentsPBS 5 лет назад

There's a notification squad?! - Philip

@alden2679 5 лет назад

Two Cents Si, señor. A group of elite dedicated followers of the Two Cents’ Gospel

@anandtewani7591 5 лет назад

Two Cents yes there are 😂 We don’t wait for the video to see in the recommended section to watch rather notification’s *ting* sounds much better to watch Two cents’s video 🤗🙌🏻👍🏻 You guys do really make a very helpful videos Love from India 🇮🇳

@jaredsmith4919 4 года назад

Money was never talked about at the table. As an adult, I love talking numbers and learning about finances. Even though I'm not there yet? I still enjoy talking about it.

@tintun-rf1lf 4 года назад

couple goals u two ❤️ you've given me the importance to be finally literate. recommending this video to my man

@thomasp2572 5 лет назад

You guys are so cute together

@TwoCentsPBS 5 лет назад

Awww thanks!

@brianb8769 5 лет назад

Smash that like button y'all!!!! This is great info!

@kevinabraham2029 4 года назад

I'm glad that you all are inclusive with the skin tones of the characters you choose. Thank you for that.

@Ram_Bri 5 лет назад

I love this series. Every episode is Gold!

@TwoCentsPBS 5 лет назад

Thanks so much Ramon!

@mylifeisamememylifeispathe3140 5 лет назад

We need a cost for divorce... You know because things go both ways😐

@fixafix69 5 лет назад

Actually in divorce things go in a mono way usually (the woman gets everything and the man attempt suicide a couple of times and if he's lucky he'll live depressed for the rest of his life)

@TwoCentsPBS 5 лет назад

It's an episode we've thought about tackling a few times on this channel. Besides lawyer fees and court filings, what sort of costs are you thinking of? The potential costs of custody battles, losing half of "your" money in the split? Something else?

@Kimbrough87 5 лет назад

Two Cents Jeff Bozos would love to watch that one 😂

@oddixgames6704 5 лет назад

don't do this topc guys. just don't destroy the positive flux from your vids

@NoName-sp5dp 5 лет назад

@@Kimbrough87 hes fine

@sarrahwilson8149 5 лет назад

I told my husband about my student loan debt on the 2nd date. 😂

@blackbutterfly233ify 3 года назад

Lol love it

@lovetobe6118 4 года назад

When we got married, we were unified financially and transparent with finances by having the passwords to each other's banking accounts, but we found that it was so much easier to be unified and transparent when we merged funds. It also helped us better budget, reduce spending, and save more.

@Donnah1979 3 года назад

You can also have both a joint account for sharing expenses and separate accounts for the splurge money.

@oddixgames6704 5 лет назад

Money Carta!! hahaha you are the best!

@eunoiaeunoia1931 5 лет назад

Girls be like: How old are you? What do you do for a living? How much do you earn? How much is your networth? Do you have dependents?

@Maroon_007 5 лет назад

Your username strangely fits your comment

@Hurtzilla 5 лет назад

What do you do for a living is usually the first question tho

@fixafix69 5 лет назад

They also want to know how tall you are, and how long your ding dong is, but if you dar to ask her how much do they weight they'll eat your face

@eunoiaeunoia1931 5 лет назад

They also want to know how much your parents networth.

@BoxStudioExecutive 5 лет назад

@@eunoiaeunoia1931 Never had a woman ask me my parents' net worth. You're full of shit.

@whitneyc.3257 3 года назад

“What’s your credit score?” So romantic!!!

@annaeverette8960 3 года назад

I like their idea about writing the breakdown of financials in an email then sitting down to discuss it the next day! Communication 👍

@nunyabusiness896 5 лет назад

Joint+Personal accounts is the way to go. Agree to put a fixed amount in a joint account every month for shared expenses, then invest, pay off debt, spend, etc. from your personal accounts. You retain the ability to decide where the non-joint money goes so there's rarely the need for an argument. Only if you have a situation where one spouse works and one doesn't should you consider just a pure joint account and even then you could agree to a fixed amount that the non-working spouse gets every month to compensate them for managing the house and/or kids. No matter what, always allow for some independence, if you are just lumped in together then every purchase becomes a "well you spend $100, so I get to spend $100" and you either both spend too much or one person becomes resentful of the heavier spender.

@UnionParkPlumbing 5 лет назад

I like dubstep! No wonder I can't find love....

@MichaelCMeyer 5 лет назад

Dating apps and websites should have a mandatory section for FICO scores in dating profiles

@TwoCentsPBS 5 лет назад

Wow... what a world that would be...

@MichaelCMeyer 5 лет назад

@@TwoCentsPBS Some sites request participants salary range. I think a more reliable question would be verifying you are a safe financial bet. This is important for when the couple wants to buy a house together. Safe and stable credit history displays this person has their priorities straight and mature adult prepared for serious long term relationship or marriage. Someone with a low FICO score you should be suspicious of their intentions.

@ELCLAVE300 5 лет назад

@@MichaelCMeyer That is even a more retarded idea than dating apps themselves.

@MichaelCMeyer 5 лет назад

@@ELCLAVE300 Security vs Convenience. Dating apps already have users provide their salaries. Dating websites that target long term relationships are marriage have investment in promoting best pairing of couples.

@MichaelCMeyer 5 лет назад

@@ELCLAVE300 Please be politically correct. On behalf of my disabled community I take offense of your use of that legacy word.

@raftika1 5 лет назад

Love that you guys keep your videos short and to the point and have great value. Keep it up

@bodiesbydefinition 4 года назад

My mother was the person to drop three very important questions, like this, on whomever the next woman is that God chooses for me (if He so pleases to do).

@Animal.CUT... 2 года назад

Preach bro 🙏

@ELCLAVE300 5 лет назад

Just like everything else in America, you need to have money to be in a relationship.

@Mascherina1964 5 лет назад

WARNING! Don't have a joint account -- keep your money in your own account. If you end up in a marriage or a relationship where there's domestic violence, the abuser uses money to control the other person.

@marer1000 5 лет назад

No one said anything about putting all your money into a joint account but ok.....

@teresa_r_l 5 лет назад

A good place to start. However, one complaint. At 5:05, "Save for retirement" is put at #4, after buying a house, starting a business, and paying off student loan debt. Like the majority mentioned at 5:16, I believe saving for retirement should be #1 (even though I did different-- bought house at 19 and started saving for retirement at 21). Start small, but early and often, and you'll be in a much better position than waiting until after everything else happens.

@victormossiii1196 5 лет назад

I am already thinking in this direction! I am in a relationship and I was honest about goals and areas like debt. She did the same. We are taking it one step at a time!