The Best Way To Combine Finances
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The amount of spam comments on this video is insane
I was wondering too it even made me google the word they’re all saying to see if I was missing something
U mean you don’t want to invest in something that will lose you money
It's insane that TH-cam can't do something about the spam and bots in the comment sections... It's scary to think about.
My wife and I combined all finances 20 years ago but recently started doing something a little different that's working great. After we do the monthly budget, any leftover income that we would typically distribute to fun goals such as home projects, travel, etc., instead we split that surplus between the two of us. This gives us our own, personal funds that we can then distribute as we wish, without needing approval from our partner, to any goal we desire. We've been doing this for about three months and our spending has gone down and our financial satisfaction has gone way up. We're starting to clear personal goals that would often sit on the backburner for years while still working towards mutual goals.
Woah, the comment section is invasion of the scammers.
Pretty much any finance video now has a few comments obviously made by ai.
Truth
It only works if both partners are willing to budget. My spouse doesn't budget so we can't combine accounts until she does.
Wouldn't a separate account for 'fun' money help keep things even? Have a joint account for necessities, agree to put so much back into retirement or savings and then put a set amount into individual accounts so they know their spouse isn't spending too much on themselves and they don't have to ask each other if it's okay to buy something.
I know several couples that do this. They have the major account where everything is deposited. The bills are paid out of that account, and all tithes, savings and investments come from that account as well. And then they each move x-amount of money each month (same for both spouses) to individual accounts for discretionary spending. Everything it built into the budget, including the amount they move to the individual accounts. I do not believe that every couple that wants to do things this way is trying to hide something. That certianly may be true for some people, but it certainly isn't true across the board.
Agree, when you two said I Do there was no longer your and his, even with children. I came from a family that that said his/hers and used the labels step-children. My wife who is also from a blended family they only said children, brothers and sisters. I can state without a doubt the way my wife’s family did it was much better.
Dave operates from a Christian angle. Divorce and blended families aren't Christian. Marriage is foremost a legal arrangement, though. Other concepts of what it represents are applied on an individual basis.
No. Both have their own savings, checking and a joint for bills. Have a bill acct if you a biz before marriage.
As soon as the question started I knew Dave was going to bring out the old book of common prayer! 😂
“Unto thee my worldly goods u pledge”
Classic Dave!
It's a beautiful line
@@antonioiniguez1615 It sure is!
Make sure you create a trust for your son. Don’t assume that if something happens to you the step parent will do the right thing by your child. You’d be surprised how often kids are left out in the cold when all assets are left to the new spouse.
This is so true, I'd also make sure to put more in there monthly. Just to help them out when they are 25 or so to buy a house and have money to survive on abd also it's crucial to teach them to save and invest from a young age so that they continue with that and never become a burden in life to you or their future spouse.
Most women have a separate account. They empty the joint before they file leave the guy high and dry. I'm a nurse I hear it all the time
I think this should be the best time to put cash to work rather than allow it lie waste to inflation. I'm ready to invest about $350k of my savings in stocks. I just need ideas on how to navigate the bear markets and other sectors to diversify
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise fromm early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024
Please how do I find and contact this financial counselor ?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Nicole Desiree Simon for about five years now, and her performance has been consistently impressive.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
Me and my wife have separate accounts so that we can spend our paychecks on whatever we want without having to ask each other for permission. We just split the bills, and it’s been working great for us, been married 7 years
Yup, this joint account should be updated. I do believe 2 separate accounts like you guys have and one joint account for bills.
Well, I'm here to tell you that my wife and I have been married for 15 and have always had separate accounts. Never had any issues. Our marriage is still going strong. We split all our bills and between the both of us already have a lot of money for retirement. Once a month we sit down and review all our accounts, so we both know how we are doing.
It's fine when Zero children are involved when couples have multiple kids and the woman is expected to stay at home that's when it becomes an issue
@@ykook7000you mean when the woman CHOOSES to stay at home? Which is a terrible idea...
@@Aki_Lesbrincodo you know how much childcare costs???
In sickness and health
Whether prenup or not!
George, if you would get a credit card you could use airline miles and fly to Boise for free. 😜
Keeping finances separate is fine, why join when you don’t have any need to do it. Same account can always be trouble if there is a.divorce which is 50/50 in America. As long as the spouse take care of their duties and expenses I think it’s fine.
How long have you been married?
All income is deposited into joint accounts. One joint checking account...pays bills. One joint savings. Separate individual checking accounts. Pay all bills from the joint account and send an 'agreed upon' weekly allowance to each separate checking account. Any additional money needed should be discussed. Transparency is the most important thing.
I have always had a joint account when was married but also at same time she and I both had an individual account. She was a SAHM and relied on 1 income and basically sent the spend money from the joint account to our personal ones for the spend accounts so that we didn't have to try to get a hold of the other as had coworker invite out to eat or she wanted to buy something while out in town etc. She was also not good with the autopay bills and would just check the account that day and see the available balance and say that was how much we had in the account is one the reasons to have individual spend accounts to go along with the main joint account
......... What
Step 1) Look at your money
Step 2) Kiss it goodbye
Step 3) Consider it gone
You got that right!!
if children > 0 then repeat steps 1-3 where money:= children
Yep. A good way to have your money down the drain
@@PepeToTheMooonderp
@@subjecttochrist why are you telling me what you say to random people in public?
I have to disagree, separate accounts saves your sanity... this way when you spend something, you don't have to ask your wife to buy something with your money.
Prenup
Hey guys @TheRamseyShow from South Africa👋🏽 I love the advice here but cannot access the budgeting tool in the country, is there a reason for that?
The app can only downloaded in USA, I cannot access it in Europe as well...
I’m in SA as well and use the EveryDollar online version. Because the app isn’t available. Maybe try that Lifa
Been married for 5 years and kept our accounts separate and plan to keep it that way. What works well for some doesn’t have to work for everyone.
Weeks ago Dave a stepmom complained that his father was taking care of his son, and she didn't want him to. And Dave said she shouldn't have to go along with it.
But now he say's the stepdad have to go along with supporting his stepson.
So much double standards on this show.
He’s been inconsistent lately
Both were under 21?
@@sadfasde3108 So what, 1 was 22, and still in college.
A tough pill to swallow, My wife and I both come from broken homes. We have a joint checking account account, but We also have separate accounts, checking investments and such. You are great financial advisors, but what you are talking about needs to be addressed by a professional counselor if a couple wants to move in that direction. Nothing against what Christians say to do, but most that I know don't follow their own advice.
What’s the point of being married if you’re essentially living as separate humans? You took vows to “become one”
@@saladboy1465 Simple. Just as remaining unmarried has some protections, being married offers some as well. But being married also brings liability under the right circumstances. People are trying to have the best of both worlds.
@@saladboy1465hahaha who told you that lie? You should look into why marriages came to exist in the first place.
@@TRC19999 so men can make sure the kid is their kid
@@saladboy1465firstly, not everyone makes the same vows. Some people literally write their own vows. Also, marriage is foremost a legal arrangement that has various benefits and many liabilities. But most people haven't thought seriously about why they married.
Remember to keep track of your balance on your checkbook,,,because he or she will. Use it to buy something at a store,,, and forget to write down the withdrawal check,,, so he or she gets the checkbook,,, thinking the balance is the same before the withdrawal,,, he or she writes out a check,,, next thing you know ,, overdrawn checks,,, it happens to couples all the time,,,
Do a study about it,,, I did it,,
Where is amireallythatgrumpy,,, waiting for a Dumb ass comment,,,
People don't use checks anymore.
SHE has a separate account for HER business, WE have JOINT accounts for OUR household !! We BOTH are in a second relationship !!
The CAPS are a great hockey TEAM!
So, where do the profits of HER business go? Where do the profits of YOUR business/income go?
He did say this but glossed over it quickly, she should have as separate business account that does everything related to the business. Then when she either pays herself a salary or takes out profits they go to the joint account.
@@TheDjcarter1966the business should be in both their names, no?
@@greggpurviance7252The business should be set up with at least 3 accounts.
An emergency account with at least 150% the cost of the most expensive business expense or 3 months of expenses for the business.
A standard account for the business with all business revenue going in and expenses coming out.
A third account that 25% or so of all business profit goes into for all taxes.
This is how the business accounts should be structured. She should do payroll draws for herself from the primary account.
If both are on the same page then you can have a joint account. But if one is responsible and one isn’t, there’s no way I’d have a joint account. Our mortgage of 7 years is in both names but only one of us makes payments for eg even tho we both work fulltime and earn similar amounts
Don't marry someone who is irresponsible.
50 years & combined from day one. Retirement funds are seperate by law. Works the best for operating funds. Ramsey was not around back then
???????
Contributions to retirement accounts made during the term of the marriage,
as well as growth on those contributions, are considered marital assets.
A division of individual retirement accounts (IRAs) can be ordered in a divorce decree or
a property settlement agreement that's been recognized by the court.
Qualified plans such as 401(k)s require a document called
a “qualified domestic relations order” (QDRO) to be divided.
A valid prenuptial or premarital agreement can override state law,
but a spouse can challenge the agreement and potentially get it invalidated.
This is why you SEAL an IRA and make no further contributions,
to avoid "co-mingling money"
If you Earn a pension, it is "earned" by both.
@@aolvaar8792 wasn't talking about divorce. If you are worried so much about that, don't get married
@@aolvaar8792Instead of OVER Explaining something so unnecessary. Try reading and understanding his post.
He's simply saying the reason their retirement accounts aren't JOINT accounts like their other accounts is because they can't have a joint retirement account. It's really that Simple
@@aolvaar8792 He simply meant that retirement accounts cannot be combined.
I disagree. Each should keep their own private checking accounts but keep a joint account for the house and expenses. Less arguing about money. You don’t want to manage your other partners spending. I was married for nine years and never had an argument about money with this system in place. Also keep religion out of Finance :)
100% accurate
This is what we did. Made my account joint, she closed hers. Everything is poured into one account. KIS.
But what if she "decides" one day that she no longer loves you and dumps you for a Chad? Will she still consider it "our" money or she'll use the court system that's heavily biased against men and try to take every penny that you have?
@@juniorgod321Shell get her half and you'll keep your half.
@@juniorgod321She’ll get her half lol stop projecting. Sorry she cleaned you out, but you projecting isn’t a good look
@@OopThereItIs77777 I promise you I never been married but I have watched quite a few friends getting legally looted in divorces!
@@juniorgod321 just get her to sign the prenup. if she loves you enough, she will not say no and if she refuse, there is your red flag
We keep some accounts separate for liability purposes. My state doesn't allow access to non-joint assets if the other spouse is at fault for something.
All retirement accounts are always seperate. Have good insurance including umbrella. Not something to worry about. If you have investments outside of retirement accounts, you likely have attorneys that will keep you out of trouble
What state do you live in, asking for a friend 😅.
@@greggpurviance7252 It is ridiculous to think that having a taxable investment account means you must be awash in so much money that you have a team of accountants and attorneys running your life.
@@greggpurviance7252That last sentence is a ludicrous jump.
I personally would never do this. I would rather pay the majority of the bills and what is left over is mine than go through this double budgeting is all just nickle and diming for small purchases. I mean give me a break i cant imagine calling wife up oh hey can i buy a bag of chips to meet our budget when she went out to buy a purse or something.
🎉1st 😎! I definitely think couples should have at least one joint account and then one personal account for frivolous expenditures. All money should start in the joint account
Why have a personal account for frivolous expenditures? Why not just have a budget, spend from the joint account, and be transparent about it with your spouse?
If you're married, just keep things simple & budget from a single account. You can agree on a preset limit each month. Stick to it.
It’s actually easier at tax time we know that all necessities were taken care of in one place and not jumble up amongst Starbucks and Walmart purchases. The misc cash is budgeted and sent to personal accounts, also works great for times I want to surprise her
It was not until I watched this episode when I realized how against putting everything in one pot I am. As a mother prior to marriage just like the caller, I find it quite risky to do that. I understand it is safest to maintain your seasonal business earnings completely separate as it was established prior to the marriage. Also, a separate personal checking and savings and just add money to the joint account for bills and dreams. Older newlyweds with children need to really take some time to think about what financial moves to make without the rose colored glasses.
It’s one situation if a young couple is starting out with nothing, and a completely different one when combining lives later in life. A “yours” and “ours” approach can be financially successful when there’s commitment to the “ours” part. And a fair prenuptial agreement is reasonable as well.
@@ryancraig4811 Agreed!
I only have an associates degree and worked 35 years for a big corporation not earning that much money, retired for 12 years. These are basic questions that people should be able to figure out without calling this show. I find this very scary to see how uneducated people are, especially the ones that have higher education and lots of debt.
Didn't you know school smarts does not equal common sense or street smarts
People are dumb and dumber these days
They want to be spoon fed instead of thinking for themselves!
Even joint checking and savings accounts did not keep my husband from cashing out his IRA account and buying a house with his mistress. 😞
In long ways ETH eventually will outperform the rest but closest to that has to be BlckTken300
?
I would say, if you're struggling to make this leap after marriage, we did this: joint checking in both names. All paychecks go into it. All bills paid out of it. Separate checking accounts; with both names on each, so there's transparency) for your weekly budget spending.
This makes no sense lol you’re attempting to circumvent the step, but doing it without doing it. Weird
i smell a trust issue on this one.
My husband and I have separate accounts. His paycheck in his. My paychecks in mine. I buy the household stuff. He pays the bills like the rent, electric etc. We are both saving towards a second car. He walks to work and I use the car, but he takes the car for trips to the barbershop and eye appointments etc. I work several part time jobs so a few are always close so he can drop and pick me up to use the car sometimes. There's a grocery store behind us so he does buy some groceries sometimes when I'm at work and he's not, he will walk over.
Why? Sounds confusing, how do you decide how much each pays?
They don't nickel and dime each other. Trying to ensure everything is equal seems like more work. This sounds like they've got it all worked out.
Who pays for groceries or when you guys go out to eat? If you all have kids who covers there stuff. I’m happy it works for y’all bt i have so many questions
I pay for groceries, take out, things ordered on Amazon. My husband pays when we go out to eat. Though sometimes he'll ask me for small money (ones and fives) for the tip. I also pay when we take the car in because I have more time so I am walking to and from the shop and picking up the car. He used to offer to give me money to cover things, but I told him I didn't need it. When we buy a second car cash, we will both pitch in for it. We don't have kids. We found each other late in life and I'm nearly menopausal so we likely won't. We do have a cat. We both buy stuff for the cat. Bring on your questions.@@Shortballa11
@@analyticalchick3064and why are you afraid to combine accounts? It sounds too complicated. You don’t have to ask each other for anything once the accounts are combined. You’ve created so much mental work for yourselves.
I stack some of the BlckTken300 everyone is literally mentioning it it has all the momentum
The bots have invaded the comment section.
✝️
I am not marriage yet but i am not going to combined anything my account we will have sp
If you're not willing to combine, what are you afraid of? And if you're afraid, why get married?
Free healthcare for her and the kids,
$2200/mo SSA for minor children,
Double step-up in basis,
Just because you're married doesn't mean you combine finances. That is setting yourself up for future failure when she decides to leave you and take everything.
Married 20 years. Still have separate accounts. We are doing fine. Why are you afraid of separating accounts?
@@stevenwalker4923 The law doesn't care whose bank accounts the money is in. Keeping separate finances or not makes no difference to how the court will make an order for division of assets.
❤ exactly.
Ive got married 2 months ago with my wife and we both agreed to have joint account so we would know how to budget our money
You don't need a joint check in order to have a budget
@@auemmjee yes you dont need it but i did it for our relationship
Like the notorious BIG said: “keep family and business COMPLETELY separated”. I agree with everything except business. It could get messy real quick. Profit yes, but anything else no
That's what Dave Ramsey was saying, once you distribute profit from the business to the owner, that's when you put it in the joint account.
Yep, all combined here . . . Unless it's HERS. What's mine is OURS, what's HERS is HERS.
Then what’s the point of combining if what’s hers is hers?
Hmm interesting. What her’s should be ours just like mine is ours. Should be all equal here if we are going to combine the finances.
The thing that angers people is when it comes to light that they're there to facilitate someone else's lifestyle. Like having a thousand dollars discretionary spending, getting into a relationship and suddenly that amount is reduced to seven hundred because the rest gets siphoned off for the other person's whatever. Rule of thumb: Very little in terms of hobbies, clothing etc should change after getting into a relationship. Clothes budget for the year was $1700 before that you could cover? It's $1700 after. The only things that should change is the ability to have a better home, investing in the future etc. in terms of dreams. Everything else shouldn't change unless you start earning more money.
Less on clothes. Less on “hair and nails“. No need for bait anymore; you’re married.
@@genxx2724 Right, shunt that money into a gym membership to remain attractive instead.
@@csx6910 Not only to remain attractive, but to establish, improve, or maintain maintain good health for the benefit of the family.
@@genxx2724 Spot on.
Separate accounts
Separate is for the best. What benefit is combining? There are zero.
Keep your finances separate unless you want divorce graped.
For me and my husband, separate accounts work better. We still get our bills paid.
You’re holding yourself back and don’t even realize it.
I wish you increasingly more joy! Good fortune to you! 😊
A joint for paying bills is a good idea with separate for discretionary spending and another joint for future goals.
How much is “hair and nails”?
Probably less than beer n fishing.
Including tips each month I spend $280 on nails and pedis, $130 on hair, and $400 to $800 at the med spa. I can afford it. My boyfriend's financial situation is much different than mine and he's very uptight about money. Luckily, my money is money.
Mouse in ya pocket FRENCH “WE WE”😂
Joint account for bills, personal accounts for everything else. It’s 2024 Dave
Yup.
It would be easier for separate accounts in case if they get divorced.
Keep them separate until they sign a bill in Congress to nullify the community laws in all the states.
Those laws are the essence of marriage. People can just not marry and use legal docs and estate planning strategies to make considerations for the person they love. That's what I've done. I would never take on the risks that come with marriage.
@@auemmjee It is unethical. That's why. Make the country more ethical.
Just a reminder that recently Sharon Ramsey was completely taken off the business as part of transfer to the kids
My spouse and I have three checking accounts and one savings account. Our own personal accounts for our agreed upon allowance, shared savings, and separate checkings strictly for bill pay where an exact amount down to the penny is deposited for worry free,no thought bill paying, being adjusted annually when equal pay/property taxes go up. Everything is setup to our direct deposit and we give ourselves a $40 weekly allowance, our grocery budget is in savings (along with our 6 months emergency fund) until we do our monthly shopping trip, which is usually ~$500/mo for our family of six. I don't think having separate accounts is an issue, so long as you both agree on where money is being spent and have the same long term goal.
What do you eat only with 500$ at month and 6 pple.
I spend almost double and we are only 2
I spend $600 a month for a family of 5. We cook everything. I also have my own chickens and grow and process my own chickens for the year. ( mind you i sell eggs and chicken to negate the costs of them) but if your spending $1k a month on groceries for 2 people thats crazy. Stop eating out. Never eat out. Dont even stop to get a $1 drink from the gas station. It adds up fast.
@@mrfetosan10I work in a grocery store, I am able to snipe great deals; always buying in bulk to save more, freezing things. Pasta, beans and rice dishes are cheap meals, but we eat a bit of everything and still seem to overdo it on snack foods.
19 year old is an adult...
Poor lady came for finance advice and received a grammar lesson...
That's really bad advice, Dave! Especially when everything potentially could come to a end at some point?
My wife and I were trained as physicians and married in medical school. We combined our resources from day 1. After training she decided to stay home and raise our children, and I worked full time to provide for our family financially. We made all financial decisions together. Coming up on 40 years of marriage, we made the right decisions, not her money, not mine, but OUR money! Best wishes to all.
Well, you are among the lucky few where the marriage lasted. If you were going through a divorce (like the majority of marriages), you wouldn't be so happy with the combined finances and the lack of a prenup.
COMBINE EVERYTHING SO YOU CAN GIVE HER HALF LATER WHEN YOU DIVORCE!!!!!!!!
It would be great to hear financial advice without hearing about Christianity, just a thought
Stings like holy water?
@@Petesworkshop2225there's that fabulous Christian holier-than-thouism. Well done, Pete. Jesus would be proud 😂
If you needed any confirmation SEC is a joke ya got it, all this crazy edgy move just to distract from BlckTken300 is hilarious
No. Not these days. People will lie and scheme all the way to the altar. Every person should have SOMETHING of their own. You never really know what situation you may end up in after many years together.
RamseyLifeTips
She’s already not happy that she makes more than him
Most women aren't. They automatically resent a man that doesn't bring in as much.
She called her lawyer after this call.
@@JustinCase780 lol probably
Keep it separate. No reason to combine it. It’s not 1989 anymore.
The data is against you, my friend.
And the statistics on divorces, multiple marriages, overall strife and depression have skyrocketed. Trying to make an argument based on the calendar is ignorant. People were more in touch and wiser back then.
I tried your way when I first got married 12 years ago and it was significantly less successful. Since we have combined and became a team, finances have gotten exponentially better. I didn’t get married so I could have a female roommate.
@@Mavryck_Tha_Myghtythe data is gonna keep you broke
@@jiujitsustlmore power to you. Been working great for us tho and keeping things separated. What works for someone may not work for someone else.
Sorry, Dave. I disagree on this one. This lady is the financially dominant one and is MOST at risk. Men often NEED to be dominant so much that they will find a weaker woman and leave the strong, responsible one. Before you know it, SHE will be paying him after a divorce, and she has made him co-owner of all SHE has built. Women must protect themselves; many men have become the gold-diggers. Sad but true.
SHE owns her own business. HE owns a house. SHE owns a house.
She have a house. But I do not hear her wanting to sell hers?
The other persons name is not on the other.
You can also keep separate accounts.
*She has
I don’t want to be French
Yea, some of the greatest food, wine, landscapes & coasts, Paris and people in the world is such a bummer. 😂
Wow! Combining your lives financially should be automatic if you're going to get married. If you can't figure this out, don't get married.
Marriage is not wise in general.
Stupid advise once again, not all couple should combine finance
Exactly. There is no cookie cutter answer that applies to all situations.
They should keep their separate accounts, and have a joint account for things to cover like mortgages, bills, and even emergency. Nothing wrong with having a joint account while having separate accounts.
First 😊
Best way to combine finances is not to combine finances!!
So when one earns $125k and the other $30k, how do vacations work?
@@karigrossShe eats my leftovers if there are any. It works.
@@karigrossI don’t know. I’m not married any more!
@@JustinCase780 That's a pretty smart policy. You don't want her gaining too much weight. 2 birds, 1 stone. 🧠
You're a liar in your video on raising rent. Increasing rent based on market value is not the same as raising rent on overhead and property tax. Raising rent to match market value is much larger than overhead and property tax. You're talking of pure greed.
The advice given here is terrible. The divorce rate is above 50%. The majority of divorces are initiated by women. With those statistics in mind as a man, why on Earth would I want to combine my finances?? The better advice is to get a rocksolid prenup, keep your finances separate, and set very clear expectations/boundaries in your marriage about key topics (you know what I mean) UP FRONT! If she doesn't want to take that deal, then simply don't marry her.
If you're going to keep your finances separate, why even bother getting married? You've just eliminated the only purpose of getting married, so marriage just becomes a waste of time if you are not going to combine finances.
@@amireallythatgrumpy6508 It's simply a matter of protecting yourself and your hard earned finances. Otherwise, women are incentivized to break the marriage bond as they will get at least half (in many cases more than half) of all the assets + alimony. They are more likely to stay loyal if they benefit more from staying in the marriage.
@@plasmaarmelund Then don't get married if you want to protect yourself.
@@amireallythatgrumpy6508 I’m not getting married. I’m giving advice to those who’re considering it.
@@plasmaarmelund Then you should tell them exactly what I told you. Because anything else is totally wrong.
This nonsense is one of the most cultish aspects the Ramsey-ites.
Dave stated that he has research to back it up, as well as religious.
@@conservativevicki7612 Like the research promising 10-12% year over year. Call a SVP today!
And yet it offers the statistically highest propensity for success in a marriage.
Calling it “cult-ish” doesn’t make it so.
I was sure last year would end terrible for me but I think BlckTken300 is spot on with what they do and how they do it. Cant say for how long its going to work and for sure it is overyhped right now but even if just half a year or something it would be smart to ride the wave and then jump away eventually, but the reason why this is smart right now is because its so cheap, wont ever find a better entry than now
Somehow always these ppl do not mention actual reasons behind the scenes. The reason why we can go so big is ONLY because of BlckTken300