#1: so if you’re watching this video you’re either married or about to be, or just curious like I am; about what to do in marriage when it to money. And I have to upfront, I’m not going to give you guys an answer in this video, I’m only going to tell you what I’m doing and why.

50 percent of marriage end in divorce but that shouldn’t really scare people, because most average statistics in life suck. Like average person is paycheck to paycheck, in debt, and not healthy, now just because that’s the average doesn’t mean that should worry you. If anything, it should motivate you to be bette

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Here is what I learned so far, when I talk to people that have been relationships, here some of the things I hear

You never know someone.

Keep your money separate

Get a prenup

Have an escape fund

Spend time gettnig to know them, live with them, spend years with them before you go through with it

But when I here people that have married for decades speak, I hear different things like

Spend time listening and trying to understand

Love that person even when times get hard

Become one with everything

Be honest

So I wish I had time to dive deaper into this, but overally this video is about money and marriage, and if you should combine your finacnes so lets get into it

End IN Mind: Meat

Should you combine your finances

My personal opinion is Yes

And the example I always use is, if you are on boat and you have to paddle to get to where you are going

Doesn’t it make sense to work together?

And I’m also a Christian so from a biblical point, becoming one is a lot more serious than a few dollars

I think the upfront work of knowing if that’s the person you want to spend your life with or not is the most important part

Cons are

It doesn’t work you lose half of your stuff

But why would you marry someone if you have that concern

Pros are:

You have someone who you know you can count on

Ps. The person you marry is the most important part of this. I’m fully aware of gold diggers, toxic relationships and everything else

So get pre-marriage counseling

Read a few a books.

And protect your heart

Proverbs 31 is what I think about, when I think about marriage.

How would I go about Combining Finances

It really would be that complicate

It all comes down to being on the same page

And the page in my household is ( we want to financial free )

That means :

Debt free

Fully funded emergency account

Investing 10-20% for retirment and paying off the home

Now with the rest of the money we can use it to buy rental properties and build up more investments

But day to day ( I think this would be a good rule )

Have 4 joint accounts.

1 for savings and 1 for emergencies

1 for expenses ( necesities ) and 1 for Fun

Each person gets their own debit card for these accounts and we only communicate on purchases over 300-400 dollars

But the rest is fine, these are my rules

And I think is best because you don’t constantly have to be monitor or asking permission.

Two are Better than 1

But not if the two act as individuals

Be on the same page and don’t be stupid

This plan works with mature adults

However it will not work

With people with spending problems

With liars

With your boyfriend or girlfriend ( do this when married )

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

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