I’m the natural saver and my husband is the natural spender. Having combined finances, deciding a budget together, and having a budget category of recreational spending for each of us has been HUGE. Before we budgeted, my husband would buy a lot of fun things for himself and get new clothes a lot while my shoes and jeans were worn through and I never felt like I could spend on anything fun. Now the budget gives me permission to actually enjoy the things I want to. It’s actually been very freeing and we have grown together. We have the same goals now and hold each other accountable and support each other’s hobbies.
My husband and I do the same. We each get an "allowance" each month to spend on whatever we want. We each get the same amount. Then, the rest goes in our joint account. This works really well for us.
When Ken discussed the gifts I felt seen 😂 My wife and her friends are big small gifters but it’s just their simple way to let people they care for know they’re thought of which for a lot of men isn’t a big deal but for women (or at least my wife) goes a really long way. So as her husband of I can grab something simple and make her day that’s about as easy as it could be to contribute to making sure she knows she is valued in our marriage. As men we often shoot for the elaborate becsuse we would want that when the simple stuff almost always does it.
I'm the nerd in my marriage, but i didn't pay close attention to our finances for a long time. This absolutely lead to some "percieved irresponsibility"! My husband is very responsible with money. But when i wasn't paying attention to our money I incorrectly perceived every one of his small purchases as very big deal! It wasn't until I started to pay attention and try to grow my understanding of our finances that I realized how stable we are and how much room there is to spend on fun things thanks to years of responsibility!
@@DerickJordanDJ in my marriage it doesn't matter who earns the money, it's our money, paying for our life and our dreams. The percentage we each contribute to the household income is going to look different in different phases of life, but it's always our money
@@sviolet892 that’s good it’s brilliant I would recommend you to a professional investment advisor and admin for guide in earning from bitcoin investment thank me later
My parent's had one account. When I was in 8th grade my mom went back to work. I was the youngest of 4. My dad was a teacher, and she took a job at the schools. It was 1981. She then had her own account. Dad paid the household bills. Mom bought whatever she wanted with her money. She helped pay for my college (I worked in Alaska one summer to help also-I gave the money to her, and college was a lot cheaper back in the late 80s). They had a joint credit card where every month they took the bill and wrote on it which transaction belonged to whom, and they each paid their portion. They did this for years. Now they did fight over other stupid things, a lot. But the money part they seemed to have worked out. lol Mom passed last year, just a few weeks before their 65th Anniversary.
The best thing we ever did was create a fun money account for each of us. Money automatically goes into 2 separate accounts every paycheck, which is outside of our monthly budget. We never have to ask each other about buying stuff for ourselves, or justify it's value as we just save enough in these accounts to do it. Been married 20 years, have never had an argument about money.
I have friends (and I stole this idea) that have line items in their budget called "no nag money" where they get to spend up to that amount without nagging from the spouse about how stupid the thing was they bought.
For us, sitting down with a budget spreadsheet helped me see where I spend alot more money than necessary on areas that are important to me, without leaving myself any room for long term saving. My husband was able to help me get a long term perspective and want to adjust how I spend money so that we can reach goals that are more important to me.
I totally agree with combining finances, but until the couple is on the same page with financial goals, discipline and basic financial understanding it will continue to cause money fights.
Separate finances is more about having a personal spending account. Usually it will be a fair amount of personal spending for each partner than the other one doesn't have to fret over someone buying coffee or video games, etc
I totally agree that having separate accounts can be great but I’m also the type or I say if I’m married to someone we’re in this together and it’s fine to buy things here and there but when you have one partner that doesn’t know how to handle money, and their credit cards are always up that affects me in the long run. Like I know people tell me well you can have a separate account no big deal but then my thing is if my partner can’t come up with the rent money I’m fucked also because either I have to cover their rent or there’s gonna be an issue.
@@sealthething9210I was in the same boat with my husband. It's actually why we moved to separate personal spending accounts actually. Because when we were on the same account, he would see money in there and thought it was a free for all. Now every pay day, he sends over an agreed amount that covers his share of the bills. The rest he keeps in his own account and that is his spending money. If he wants to open credit cards well that payment will come from his spending money then. It's not coming from the other accounts! It's the only way for him to feel the pain of budgeting. He still spends a lot and is short at the end of the week but I'm. Not going to pay the price for it anymore
This is one reason why young males should remain SINGLE. When couples fight over money as couples, a man may win, but when couples fight over money through litigation, the man always loses. Stay single!
My husband and I have been married 8 years and have not had a money fight. It reminds me of when Dave says "if you agree on everything, one of you is irrelevant." Sometimes, I wish my husband would have an opinion so that I didn't feel like I was making all the decisions on my own. I think we both grew up hearing "the man may be the head of the household, but the woman is the neck." I want a partner not a servant.
The only thing me and my ex never argued over was money!! The main thing me and my husband now argue about is money. My ex didn't care where money went, he just brought it in and handed it to me. If I told him we only had $100 to spend on whatever that week he was like ok, just grab this and I'll be good, and he never asked for or spent another dime rest of that week. My current, oh hell no. You tell him there is only $100 to spend on whatever and he flips a wig. He doesn't believe in paying cash for anything, it's all debit and checks and your check will cover it next week. We have 3 bank accounts, his, mine and ours. I had to pull money from ours four times last month, totaling almost $1700 to cover his account cause he bought this and that and bounced checks paying for his racing habit. Why?? Because he sees what goes in and pays zero attention to what goes out. So I go cover him cause I don't want to hear about whose fault it is he has no money in HIS account that ONLY HE uses. It's a struggle.
I get where you’re at with it. It’s similar with my wife and I and that she doesn’t voice a ton of opinions against my own. And at first it really bugged me because it bought she was just “obeying” me. But I eventually realized that money and finance for me is a big nerd thing and a passion of mine while my wife really doesn’t have a ton of opinions about that stuff because money isn’t really her interest. She cares to the extent that we have the safety of an emergency fund. But she stays involved because we both check in on various purchases and run them by the other. Has either of us ever said no? Not that I can recall but it’s always a respect thing for us. But when it comes to our major goals like paying off our debt or investing and saving for a home and the like she absolutely puts her input forward. But does she care if I spend $40 on something to that level of detail? Not at all. But part of that is adapting together and realizing how you’re different. So if she doesn’t care that I spent X for our meal I accept that finance isn’t her thing to the fine detail and don’t worry but if she wasn’t giving me input on buying our home or a car or a major thing then I’d be frustrated if that makes sense.
It is incredibly difficult to agree on financial goals I think, easier said than done. Some get it right and are able to, but most of us, I think struggle with that. We all different and want different things.
2:52 The problem with combining everything is each person feels not responsible thinking the other one will be the responsible one. A household's finances is like a company: there can only one ultimate decision maker, it is not a democracy and companies don't give everyone equal weight on financial decisions otherwise nothing will ever get accomplished. Same with shared equal say on combining finances - like giving a medical expert's opinion on a condition the same weight as some random guy off the street. Combining is pop psychology's answer of sweeping the issue under the rug. Like you said: combining and agreeing is easier said than done; everyone has different priorities think their priority is 100% important, no matter how much you think you are on 'the same page'.
@@stevenporter863that is why you have a budget meeting and once you hash it out you agree on the budget. My wife and I have done it no other way through almost 10 years of marriage
I find it funny how the number 1 thing couples fight about is money yet this show insists not to have separate accounts. Yet I've been married for 18 years with separate finances and have never had 1 fight over money.
For my wife and I, we just have a joint account we use for the mortgage. Got everything else we have separate accounts. I take care of utilities, Internet, and cable and she sends me half. For going out, we usually do 50/50, with me paying sometimes, and her paying sometimes. We don't have kids, so it's simpler. I know many don't do this, but it works for us. That way, no one is looking at a joint account saying "You bought dinner again?!??" As long as we're saving and have money for bills, we don't care how the other spends their money.
My wife and I had separate accounts until we decided to join them. I didn’t really understand the psychological difference it makes but it is no longer her money/my money, just our money. Do we still fight about money, yes. Are we still working on controlling our expense and savings, yes. Are we following Dave’s plan 100%, no, but at least Dave’s advice has helped us.
In a real discussion about this, I would think, that the goal is accountability and being unified with harmony as much as possible. You can achieve that if the other spouse has complete access to all accounts and they review it together each month and you can avoid becoming overdrawn because your partner spent money you did not plan for. It does make some sense to have one account, from a "togetherness" stand point, but not sure it'll be convenient. But it immediately solves many problems about spending and forces you to have difficult discussions about the money in your household.
Women: We need to get a gift for a birthday party. Men: Why? The kid has more toys than Harry Potter's cousin Dudley. Women: What will the other moms think? Men: Who care... um... I mean... why is that important? Women: Why are you being so controlling? Men: Wait what? Women: This is why I need my own account. Men: *defeated*
Each should have their own checking accounts, then a third checking account should be used to pay the bills that both share. For example- Spouse #1- Makes 60k a year, and contributes 60% of paycheck to the third checking account. Spouse #2 makes 40k a year, and contributes 40% to the joint third checking account that pays: the mortgage, utilities, nutrition/food, and any other expenses that are shared ! The residual that remains on each account, can be used to pay for any other additional expenses that each one has accrued either prior to the marriage, or during their dating/marriage. By implementing this strategy, both spouses contribute, it is fair, and can assist when couples are first starting out. If they want to change the system after five years or so, after things are settled, then that is their perogative. Too often couples argue over money when all of their monies (salary) are pooled together, due to one of the spouses either overspends, has a closet SUD problem, gambles, is a compulsive shopper, or some other addiction/issue that causes major problems ! This system worked out well for my ex-husband and I. The only issue financially that was a problem, is when promises are made, and not kept.
Just remember men and women. Partners will spend most of the income. Then divorce. Get half of what's left. Then if you have children fight over the other part. Some people end up divorced with 1/5th.. what they worked hard for.
*Couples fight over money as i have seen it because* *Women's money is their money but guys money is family income* *50 amazon packages are considered essential for women while a man buying something he likes once a year is made an argument till the next year* *I have seen countless women say their husbands spend lot of money on cars etc while not telling that most of them were doing basic or yearly maintenance of vehicle , not just their own but also tha chick's vehicle, which she labelled as waste of money lol..... One of them never ever filled gas and her hubby used to get it filled for her every weekend, she never thought how her tank never empties 😅* P.s - *once a friend mentioned to his chick how she spends money on so many shoes and dresses, she had audacity to call it his expense because "she does it for him"*
@@Project-Masculinity i agree, tbh there is nothing in marraige for men Its all the financial risk for no gain While women today want traditional responsibility bearing men, neither them , nor laws help family They can leech u out for life, take ur kids and half your shit and this is pretty much best case scenario in divorce courts
I am 50 and single and almost literally broke so my words don’t mean much but I am all for combining finances in a relationship. I think that I am socially and fiscally conservative so I hope to meet the right lady one day with similar values.
My husband has a hobby I don't agree with, he plays miniature war games, and so yesterday we stopped by the gaming store after running errands. He had seen something in their online store but didn't have enough in trade in credits to purchase it when we got to the store, we were in agreement that he would use his debit card and then give me the cash he had on hand which left him only $2 and some change short of breaking even. Not a big deal, had we not discussed this first we would have had a big problem, he knows my views on this hobby he has and I wouldn't have an issue if instead of just collecting these pieces he'd paint them and go and play either at the store or elsewhere. IMO you don't just buy plastic models to let them collect dust and not do anything with them, the storage of these take up a lot of space in our garage.
@@ghjong001I don't disapprove of the hobby persay, I disapprove of the $$ that he spends but it just sits on the shelves in storage boxes and it continues to accumulate but he does little with it. The costs of Metro shelving, it's the most versatile and the cost of bins, boxes, card boxes, it all adds up.
The bit where Rachel says: 'if you have separate accounts to run one household; that's just weird to me.' I disagree this statement is so narrow minded of her. People are all different and different things work for different families. This channel is interesting but can also be controversial. I don't believe everything they say is correct but respect their opinions regardless. What's with all the black and white statements. !
Haha.. My Wife, "we have been so blessed we need to buy gifts and share, share, share".. Me... "umm, we are millionaires because we ARE careful with money and not give give gifts to people that have made bad choices!"
@@blackworldtraveler3711Are you really sure of this? because I'm also a witness of how admin MacDonald investment tips have helped my life till this very moment
@@jasonrodgers9063 speaking of... why did YT switch that? but back to the matter at hand. "for richer for poorer" is a vow not a suggestion. anyone who cannot combine money should not get married
Her degree is in communications, so she specializes in public speaking not reading. I've taken speech classes in college and for all of our assignments we had to speak in front of class, not read. Occasionally we had cheat sheets with a word or two on it incase we get lost.
@front331 Communications? Lol. If someone called in with that degree Dave would make fun of them. She's literally reading from a piece of paper and can't even pronounce the word right. Deloney can barely read, too.
Don't combine your money its a huge mistake for men and women. If you have decided to make the mistake of getting married and allowing the legal system an enforcement role in your life/marriage then the most you should ever do is a joint account for joint expenses. Even that should be agreed to in terms of who contributes what and ideally codified in an agreement. You see what the Ramsey network never tells you is what happens if it doesnt work out? What happens if the husband becomes a bum, games all day and doesnt contribute? Still combine everything? I do understand as part of their "mission" they want to evoke christian values and that includes traditional christian marriage, its their ministry. The reality is in the U.S. current social construct going all in on a partner is very risky. It would be nice if the Ramsey network were honest about marriage and stop peddling their hoped for outcome.
I’m the natural saver and my husband is the natural spender. Having combined finances, deciding a budget together, and having a budget category of recreational spending for each of us has been HUGE. Before we budgeted, my husband would buy a lot of fun things for himself and get new clothes a lot while my shoes and jeans were worn through and I never felt like I could spend on anything fun. Now the budget gives me permission to actually enjoy the things I want to. It’s actually been very freeing and we have grown together. We have the same goals now and hold each other accountable and support each other’s hobbies.
Thanks for sharing.
My husband and I do the same. We each get an "allowance" each month to spend on whatever we want. We each get the same amount. Then, the rest goes in our joint account. This works really well for us.
When Ken discussed the gifts I felt seen 😂 My wife and her friends are big small gifters but it’s just their simple way to let people they care for know they’re thought of which for a lot of men isn’t a big deal but for women (or at least my wife) goes a really long way. So as her husband of I can grab something simple and make her day that’s about as easy as it could be to contribute to making sure she knows she is valued in our marriage. As men we often shoot for the elaborate becsuse we would want that when the simple stuff almost always does it.
I'm the nerd in my marriage, but i didn't pay close attention to our finances for a long time. This absolutely lead to some "percieved irresponsibility"! My husband is very responsible with money. But when i wasn't paying attention to our money I incorrectly perceived every one of his small purchases as very big deal! It wasn't until I started to pay attention and try to grow my understanding of our finances that I realized how stable we are and how much room there is to spend on fun things thanks to years of responsibility!
I think is time to focus on a new path and focus more on earning money for yourself instead
@@DerickJordanDJ in my marriage it doesn't matter who earns the money, it's our money, paying for our life and our dreams. The percentage we each contribute to the household income is going to look different in different phases of life, but it's always our money
@@sviolet892 that’s good it’s brilliant I would recommend you to a professional investment advisor and admin for guide in earning from bitcoin investment thank me later
+1724
291
My parent's had one account. When I was in 8th grade my mom went back to work. I was the youngest of 4. My dad was a teacher, and she took a job at the schools. It was 1981. She then had her own account. Dad paid the household bills. Mom bought whatever she wanted with her money. She helped pay for my college (I worked in Alaska one summer to help also-I gave the money to her, and college was a lot cheaper back in the late 80s). They had a joint credit card where every month they took the bill and wrote on it which transaction belonged to whom, and they each paid their portion. They did this for years. Now they did fight over other stupid things, a lot. But the money part they seemed to have worked out. lol Mom passed last year, just a few weeks before their 65th Anniversary.
The best thing we ever did was create a fun money account for each of us. Money automatically goes into 2 separate accounts every paycheck, which is outside of our monthly budget. We never have to ask each other about buying stuff for ourselves, or justify it's value as we just save enough in these accounts to do it. Been married 20 years, have never had an argument about money.
I have friends (and I stole this idea) that have line items in their budget called "no nag money" where they get to spend up to that amount without nagging from the spouse about how stupid the thing was they bought.
For us, sitting down with a budget spreadsheet helped me see where I spend alot more money than necessary on areas that are important to me, without leaving myself any room for long term saving. My husband was able to help me get a long term perspective and want to adjust how I spend money so that we can reach goals that are more important to me.
I totally agree with combining finances, but until the couple is on the same page with financial goals, discipline and basic financial understanding it will continue to cause money fights.
Fights about "fairness". Otherwise known as spender vs saver.
This is the biggest thing when you are MARRIED imagine how bad it is if you are not married and you are not in a relationship
Separate finances is more about having a personal spending account. Usually it will be a fair amount of personal spending for each partner than the other one doesn't have to fret over someone buying coffee or video games, etc
I totally agree that having separate accounts can be great but I’m also the type or I say if I’m married to someone we’re in this together and it’s fine to buy things here and there but when you have one partner that doesn’t know how to handle money, and their credit cards are always up that affects me in the long run. Like I know people tell me well you can have a separate account no big deal but then my thing is if my partner can’t come up with the rent money I’m fucked also because either I have to cover their rent or there’s gonna be an issue.
@@sealthething9210I was in the same boat with my husband. It's actually why we moved to separate personal spending accounts actually. Because when we were on the same account, he would see money in there and thought it was a free for all.
Now every pay day, he sends over an agreed amount that covers his share of the bills. The rest he keeps in his own account and that is his spending money. If he wants to open credit cards well that payment will come from his spending money then. It's not coming from the other accounts! It's the only way for him to feel the pain of budgeting. He still spends a lot and is short at the end of the week but I'm. Not going to pay the price for it anymore
This is one reason why young males should remain SINGLE. When couples fight over money as couples, a man may win, but when couples fight over money through litigation, the man always loses. Stay single!
That's because a lot of guys are not smart LOL
My husband and I have been married 8 years and have not had a money fight. It reminds me of when Dave says "if you agree on everything, one of you is irrelevant."
Sometimes, I wish my husband would have an opinion so that I didn't feel like I was making all the decisions on my own.
I think we both grew up hearing "the man may be the head of the household, but the woman is the neck."
I want a partner not a servant.
Maybe appreciate the peace!
@@patty109109- exactly! Sounds like she has a keeper. Don't go looking for problems that aren't there.
The only thing me and my ex never argued over was money!! The main thing me and my husband now argue about is money. My ex didn't care where money went, he just brought it in and handed it to me. If I told him we only had $100 to spend on whatever that week he was like ok, just grab this and I'll be good, and he never asked for or spent another dime rest of that week. My current, oh hell no. You tell him there is only $100 to spend on whatever and he flips a wig. He doesn't believe in paying cash for anything, it's all debit and checks and your check will cover it next week. We have 3 bank accounts, his, mine and ours. I had to pull money from ours four times last month, totaling almost $1700 to cover his account cause he bought this and that and bounced checks paying for his racing habit. Why?? Because he sees what goes in and pays zero attention to what goes out. So I go cover him cause I don't want to hear about whose fault it is he has no money in HIS account that ONLY HE uses. It's a struggle.
@@ecclairmayo4153women like to self manufacture drama.
I get where you’re at with it. It’s similar with my wife and I and that she doesn’t voice a ton of opinions against my own. And at first it really bugged me because it bought she was just “obeying” me. But I eventually realized that money and finance for me is a big nerd thing and a passion of mine while my wife really doesn’t have a ton of opinions about that stuff because money isn’t really her interest. She cares to the extent that we have the safety of an emergency fund. But she stays involved because we both check in on various purchases and run them by the other. Has either of us ever said no? Not that I can recall but it’s always a respect thing for us. But when it comes to our major goals like paying off our debt or investing and saving for a home and the like she absolutely puts her input forward. But does she care if I spend $40 on something to that level of detail? Not at all. But part of that is adapting together and realizing how you’re different. So if she doesn’t care that I spent X for our meal I accept that finance isn’t her thing to the fine detail and don’t worry but if she wasn’t giving me input on buying our home or a car or a major thing then I’d be frustrated if that makes sense.
It is incredibly difficult to agree on financial goals I think, easier said than done. Some get it right and are able to, but most of us, I think struggle with that. We all different and want different things.
2:52
The problem with combining everything is each person feels not responsible thinking the other one will be the responsible one.
A household's finances is like a company: there can only one ultimate decision maker, it is not a democracy and companies don't give everyone equal weight on financial decisions otherwise nothing will ever get accomplished. Same with shared equal say on combining finances - like giving a medical expert's opinion on a condition the same weight as some random guy off the street.
Combining is pop psychology's answer of sweeping the issue under the rug. Like you said: combining and agreeing is easier said than done; everyone has different priorities think their priority is 100% important, no matter how much you think you are on 'the same page'.
@@stevenporter863that is why you have a budget meeting and once you hash it out you agree on the budget. My wife and I have done it no other way through almost 10 years of marriage
It’s easy when you have a good marriage
@@stevenporter863clearly you’re not married and this is coming from a place of your own imagining instead of experience
@@eeebee6166 Why? You think everyone agrees?
I find it funny how the number 1 thing couples fight about is money yet this show insists not to have separate accounts. Yet I've been married for 18 years with separate finances and have never had 1 fight over money.
For my wife and I, we just have a joint account we use for the mortgage. Got everything else we have separate accounts. I take care of utilities, Internet, and cable and she sends me half. For going out, we usually do 50/50, with me paying sometimes, and her paying sometimes.
We don't have kids, so it's simpler. I know many don't do this, but it works for us. That way, no one is looking at a joint account saying "You bought dinner again?!??" As long as we're saving and have money for bills, we don't care how the other spends their money.
Sounds like college buddies or something. "Hey bro Venmo me $12 for your sandwich".
It’s a whole other type of life without having the expense of kids.
My wife and I had separate accounts until we decided to join them. I didn’t really understand the psychological difference it makes but it is no longer her money/my money, just our money. Do we still fight about money, yes. Are we still working on controlling our expense and savings, yes. Are we following Dave’s plan 100%, no, but at least Dave’s advice has helped us.
you would think you cant fight about if you dont have it lmao
They gathered data from reddit posts 😂
There's not much intelligent content posted there. However, that is representative of the general population.
@@amireallythatgrumpy6508 is it? I'm Gen X, never used that app and I'll bet there's a bunch more power My age and older who haven't , either.
In a real discussion about this, I would think, that the goal is accountability and being unified with harmony as much as possible. You can achieve that if the other spouse has complete access to all accounts and they review it together each month and you can avoid becoming overdrawn because your partner spent money you did not plan for. It does make some sense to have one account, from a "togetherness" stand point, but not sure it'll be convenient. But it immediately solves many problems about spending and forces you to have difficult discussions about the money in your household.
Anybody can justify anything
Give her an Allowance and keep it moving. Problem solved!
Look to Government for responsible spending… hang on…
Women: We need to get a gift for a birthday party.
Men: Why? The kid has more toys than Harry Potter's cousin Dudley.
Women: What will the other moms think?
Men: Who care... um... I mean... why is that important?
Women: Why are you being so controlling?
Men: Wait what?
Women: This is why I need my own account.
Men: *defeated*
Each should have their own checking accounts, then a third checking account should be used to pay the bills that both share. For example- Spouse #1- Makes 60k a year, and contributes 60% of paycheck to the third checking account. Spouse #2 makes 40k a year, and contributes 40% to the joint third checking account that pays: the mortgage, utilities, nutrition/food, and any other expenses that are shared !
The residual that remains on each account, can be used to pay for any other additional expenses that each one has accrued either prior to the marriage, or during their dating/marriage. By implementing this strategy, both spouses contribute, it is fair, and can assist when couples are first starting out. If they want to change the system after five years or so, after things are settled, then that is their perogative.
Too often couples argue over money when all of their monies (salary) are pooled together, due to one of the spouses either overspends, has a closet SUD problem, gambles, is a compulsive shopper, or some other addiction/issue that causes major problems !
This system worked out well for my ex-husband and I. The only issue financially that was a problem, is when promises are made, and not kept.
No
Just remember men and women. Partners will spend most of the income. Then divorce. Get half of what's left. Then if you have children fight over the other part. Some people end up divorced with 1/5th.. what they worked hard for.
Well if you created a family, then of course they're going to get a share
It’s overarching themes, not overreaching themes. Learn to read.
Do you value investing over saving?
Couples fight because one is responsible and there’s always one asshole that runs up debt and mismanages money all the time!
Fact
Usually they're both irresponsible in different ways.
Don’t get married. You’ll never have to add another person to any of your accounts. Stay a free agent.
You will not have to even if married, but the laws will be against you.
One can be married, just have separate checking accounts.
@@wewhoareabouttodiesaluteyo9303 which is why men need to quit getting married until the laws change.
@@jengable4888 from my own experience though, if you can’t combine accounts imo, marriage shouldn’t even be considered.
@@deathbysonar THANK YOU! Someone finally gets it!
The key to a happy marriage is to avoid getting married...duh 🙄
How exactly is that? No marriage is NOT happy marriage. Why don't you go back to kiss Pearl's ass and leave us alone?
Lack of Accountability from one party usually the 👰♀️.
What did Rachel say at 2:01 ?? 😮
*Couples fight over money as i have seen it because*
*Women's money is their money but guys money is family income*
*50 amazon packages are considered essential for women while a man buying something he likes once a year is made an argument till the next year*
*I have seen countless women say their husbands spend lot of money on cars etc while not telling that most of them were doing basic or yearly maintenance of vehicle , not just their own but also tha chick's vehicle, which she labelled as waste of money lol..... One of them never ever filled gas and her hubby used to get it filled for her every weekend, she never thought how her tank never empties 😅*
P.s - *once a friend mentioned to his chick how she spends money on so many shoes and dresses, she had audacity to call it his expense because "she does it for him"*
….and I get questioned why I’ll never marry again, permanent separated finances…
@@Project-Masculinity i agree, tbh there is nothing in marraige for men
Its all the financial risk for no gain
While women today want traditional responsibility bearing men, neither them , nor laws help family
They can leech u out for life, take ur kids and half your shit and this is pretty much best case scenario in divorce courts
Men’s money is family money 💰! Women money is here money 💵! If a woman makes more than a man she will never respect ✊🏿 him
I detect no lies
@@Tank-vi2dv there are none, just experience
I am 50 and single and almost literally broke so my words don’t mean much but I am all for combining finances in a relationship. I think that I am socially and fiscally conservative so I hope to meet the right lady one day with similar values.
Haha...you are like a deadbeat and sure...why not be all for combining income?....;) *wink wink*
@@canadianukranian509 What a word?
@@canadianukranian509 Thanks for the words of encouragement.😁
She’s married to a guy name Winston that explains a lot
Women have their own money in 2023 so who cares what they spend it on. Boss babes pay their own way.
I am a nerd spender 😂
My husband has a hobby I don't agree with, he plays miniature war games, and so yesterday we stopped by the gaming store after running errands. He had seen something in their online store but didn't have enough in trade in credits to purchase it when we got to the store, we were in agreement that he would use his debit card and then give me the cash he had on hand which left him only $2 and some change short of breaking even. Not a big deal, had we not discussed this first we would have had a big problem, he knows my views on this hobby he has and I wouldn't have an issue if instead of just collecting these pieces he'd paint them and go and play either at the store or elsewhere. IMO you don't just buy plastic models to let them collect dust and not do anything with them, the storage of these take up a lot of space in our garage.
Maybe the problem is your disapproval of his perfectly harmless hobby?
@@ghjong001I don't disapprove of the hobby persay, I disapprove of the $$ that he spends but it just sits on the shelves in storage boxes and it continues to accumulate but he does little with it. The costs of Metro shelving, it's the most versatile and the cost of bins, boxes, card boxes, it all adds up.
The bit where Rachel says: 'if you have separate accounts to run one household; that's just weird to me.' I disagree this statement is so narrow minded of her. People are all different and different things work for different families. This channel is interesting but can also be controversial. I don't believe everything they say is correct but respect their opinions regardless. What's with all the black and white statements. !
Ok but Ken, do we want to be on the same page?
One bills account, then each gets their own account.
I agree !
Haha.. My Wife, "we have been so blessed we need to buy gifts and share, share, share".. Me... "umm, we are millionaires because we ARE careful with money and not give give gifts to people that have made bad choices!"
Man I love a good humblebrag.
I'm new to crypto Investing, I have also tried to invest on my own but it went bad, how can I get a trustworthy investment company to invest in
I would advice you contact a professional investment advisor and an admin, for me I take admin Macdonald as my personal assistant in investments
I with gladness and joy I say it to you all that condemns bitcoin investment it’s totally worth it when you invest in the right company
@@DerickJordanDJ How 🙏🙏🙏🙏
Scam thread
@@blackworldtraveler3711Are you really sure of this? because I'm also a witness of how admin MacDonald investment tips have helped my life till this very moment
AGAIN with the "one size fits all" stuff with couples combining money. TO EACH THEIR OWN!!!
if a couple does not combine finances they had a wedding yet do not have a marriage
@@eatpigsnot BS
@@jasonrodgers9063 thank you. i also thought it was Brilliantly Stated
@@eatpigsnot You should engage in your "TH-cam" handle
@@jasonrodgers9063 speaking of... why did YT switch that? but back to the matter at hand. "for richer for poorer" is a vow not a suggestion. anyone who cannot combine money should not get married
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First comment!
Rachel keeps saying "overreaching themes" instead of overarching themes. Can we get co-hosts who can read, please? I mean beyond a 6th grade level?
Her degree is in communications, so she specializes in public speaking not reading. I've taken speech classes in college and for all of our assignments we had to speak in front of class, not read. Occasionally we had cheat sheets with a word or two on it incase we get lost.
@front331 Communications? Lol. If someone called in with that degree Dave would make fun of them. She's literally reading from a piece of paper and can't even pronounce the word right. Deloney can barely read, too.
@CindyGuzman-xl5ui Shut up, woman.
Don't combine your money its a huge mistake for men and women. If you have decided to make the mistake of getting married and allowing the legal system an enforcement role in your life/marriage then the most you should ever do is a joint account for joint expenses. Even that should be agreed to in terms of who contributes what and ideally codified in an agreement. You see what the Ramsey network never tells you is what happens if it doesnt work out? What happens if the husband becomes a bum, games all day and doesnt contribute? Still combine everything? I do understand as part of their "mission" they want to evoke christian values and that includes traditional christian marriage, its their ministry. The reality is in the U.S. current social construct going all in on a partner is very risky. It would be nice if the Ramsey network were honest about marriage and stop peddling their hoped for outcome.
This is not a recipe for success. This is a recipe for chaos and disunity. Your ideas are based on fear and selfishness.
@@janelleg597 My ideas are based on reality, statistics and observed outcomes.
@@thegenxgamerrI guess you shouldn't do anything because their risk involved in everything you do.
@@marcusjones9084 That's not the point and you know it. I will debate the point with you marcus and be as respectful as you are to me but come on.
@@thegenxgamerr That's exactly what it sounds like.
Fist comment of the entire video!!!!