Episode 7: Why 'My Money, Your Money' Is Ruining Marriages

Sherman and Cristina talk openly about one of the biggest fights in marriage: money. They share why they combined everything from day one and why treating finances like roommates usually backfires. Real talk, funny stories, and simple steps to get on the same page.

Key Topics Covered:

• Why separate accounts can create secrets, bitterness, and distance
• The power of "one bucket" – two become one in every way, including money
• Their story: Married at 22, different incomes, but chose unity from the start
• The famous shirt story – impulse buys, FOMO, and learning to wait for a yes from your spouse
• How to handle "fun money" without guilt
• Why people overspend on eating out and stuff (and when it's actually okay)
• Teaching kids about money so they don't repeat bad habits

FREE RESOURCE:
The Couples Money Date Guide — the exact step-by-step conversation format Sherman and Cristina used before paying off $203K. Download free at the link below.
matrimonymoney.com/links 

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As seen on The Dave Ramsey Show · Fox News · Fox Business

Transcript

SPEAKER_03 0:00

People just spend too much money. Yeah. Right? People just spend too much money. Go out to eat too much. Buy too much stuff. There's nothing wrong with going out to eat and buying stuff if you can really afford it.

SPEAKER_02 0:12

What you spend your money on, that's where your heart is as well. So what you budget for, what you invest in, um, not only with your time, but actually with your dollars.

SPEAKER_03 0:20

Once you decide that you and your spouse are gonna get on the same page, that's it. It requires two yeses. And I know at times some of you guys could be out shopping. They have this sale on this shirt, it's the last time. This is the last one in my style.

SPEAKER_00 0:36

Once in a lifetime.

SPEAKER_03 0:37

They'll never make another shirt like this.

SPEAKER_00 0:39

Not in your size, they won't.

SPEAKER_03 0:40

So I need it now. No, how about we talk about it when we get home?

SPEAKER_02 0:44

Then you wait, and what happens to me? I wait, I go back, it's not there. But it's there in everybody else's size, just not in mine.

SPEAKER_03 0:52

And what happens when you go back and I'm sad. Very sad. And the shirt is gone.

SPEAKER_01 0:57

I am sad. See, he's feeling my stress level.

SPEAKER_03 1:00

So it's not in your size anymore. Does the sun's still shine in the morning?

SPEAKER_02 1:04

It does.

SPEAKER_03 1:05

Do you find other clothes?

SPEAKER_02 1:07

But does it shine in my heart?

SPEAKER_03 1:08

Do you find other clothes to buy?

SPEAKER_02 1:11

I do.

SPEAKER_03 1:16

Alright, guys, here we go. Another episode of Matrimony and Money. Today we're gonna talk about a sensitive topic. We're gonna talk about a sensitive topic for some people. Some people it's sort of whatever. But we're gonna talk about that whole my money, your money thing. Because I personally believe that's that's one of the things that's hurting marriages. Yes, there are gonna be some people that oh we've been doing that way for 47 years and it's always worked. They're the outliers, and just because you've done something that made it work doesn't mean it's the most efficient and best way.

SPEAKER_02 1:54

But that whole that was very nice.

SPEAKER_03 1:57

Yeah, see. Um very educated. So when we first got married, again, we got married at young, 22. Let's jump right into it, 22. Um give my little backstory. You know, you were sort of the because I know it's a big one, you were the um higher income earner, right? You were never bothered me.

SPEAKER_02 2:22

I mean, but we're not talking about high income.

SPEAKER_03 2:24

Yeah, no, it just higher than mine. Uh we both had college degrees and she made more than me, and whatever. I'm not saucy. But nevertheless, um we combined finances from the beginning. I think we talked about that earlier, it was just gonna be one pop, but uh how do you really believe it should be set up with the finances for couples in jail? They have to be married. Because if you're not married, if you're not married, don't we're not talking about com combined. If you're not married, no combining finance. I don't care. No. Alright, so we're passed.

SPEAKER_02 3:05

So how did I feel about it? Yeah. Like I just knew that was the norm. That's how my parents did it. My mom stayed at home, so and my dad worked uh sometimes multiple jobs at a time, and that's just how it was. It was uh one bucket, yeah, one pot. So I felt fine with it. I didn't care. To me, we still had to get we were living together, so we had to pay bills.

SPEAKER_03 3:29

Living together, not before we got married. Oh man, when we got married, oh, okay.

SPEAKER_02 3:34

Yes, uh, we did not live together before we were married. Um we I just it was just a natural order of things. We were coming together in many ways. And um for the first time, and um it just felt right to merge our finances. I I didn't count pennies and dollars um to say, well, that's mine and this is yours.

SPEAKER_03 4:01

No bills had to get paid, so I I believe that most couples sort of treat this.

SPEAKER_02 4:06

How much is did it belong to us? It was just bring it here and it goes to everybody else.

SPEAKER_03 4:12

But I believe that most couples treat their finances like roommates, right? Yeah, you know, you yeah, we can like we can live in the same house, but that's your room, that's my stuff in the fridge. And I just and I just believe that that leaves rooms for you know getting bitter at folks, uh secrets that are going on, and obviously all of that stuff is just bad in marriage long term, right?

SPEAKER_02 4:38

Um well 20 years, fast forward 21 years later, the things we know now, now we see the many different areas, it is crucial to do so.

SPEAKER_03 4:47

Yeah, I I just uh I grew up with a single mom, so she was the only income earner, but um, it just seemed natural to me like when we get married, we're gonna have one bucket. Um and I believe that you know one of the problems is like you have to have full trust and transparency in your partner because now there's there's like there's one place where this money goes. Yeah. And it is in the beginning uncomfortable to try to talk about money for many folks and stuff like that. So it just seemed like it just seemed like it's better if it's just my mind, your money, and we'll do this thing together like roommates. But I don't believe that's the best.

SPEAKER_02 5:25

I also think some people feel like it's um, especially women, like they're contribu contributing, right? Like they're putting something in. Don't worry, baby, I got the light bill this month. Or I got the water bill. I know you had a lot of stressfulness, you kept that thing running too long. You know, like I just feel like sometimes it makes people feel like, don't worry, I got it. You know, like valued, but that's not a marriage mindset. Yeah, but in my opinion.

SPEAKER_03 5:51

But how do you but how do you not feel valued if it all is gold if it all I don't know.

SPEAKER_02 5:56

I think I think just saying, I got it. Like, you know, when you go out to dinner and then you guys order whatever you want, and at the end of the night, they always try to hand me the check. I don't know what it is nowadays, and I'm like, no, no, no, that's something that's for him. Like it's like, I got it, I'm taking care of you. So maybe it just makes you know women feel like they're contributing to the marriage, especially if you're a lower income um earner. I don't know. I don't know. I don't know the answer to why people do it, or maybe they just want control in their finances.

SPEAKER_03 6:30

Yeah, I mean I believe that's what really what it comes down to, control, because if you're married, the two had become one, and for me, you've become one in every way, not only physically, but emotionally, financially. Yeah. So everyone has to be on the same page. Right. You have to figure that out again. Um there's practical ways you can do that, but that whole separate account stuff, it just doesn't sit right with me. Again, primarily, I believe that it doesn't bring unity, right? Because we know that finances can be finances is one of the biggest reasons that folks get divorced. So if you're not locked up, one band, one sound, when it comes to your finances, yeah, it's just gonna create more friction and stuff like that. Again, I I believe that some of this also has to do with, you know, fellas, I'm not calling men out, but like, you know, there are some men that are Uber controlling when it comes to the finances. So the women are like, well, I don't wanna be totally controlled with what I spend on and blah, blah, blah. Yeah, but it's the way that it has to be. Again, he doesn't need to be as controlling, uh, but see other need to be as spendy, like that's not even a word, spendi. So again, you have to sit down and come together, right? You get you guys may be on, you know, opposite ends of the field, but you're married, you will come to an agreement, you'll figure out what works, right? Um, but when you just keep it separated forever, again, it just creates just those bad habits long term, I believe. Like, I just believe that just with all the couples that I talk to that have financial success and have, you know, strong, healthy marriages, physically, financially, like everything is together. They know everything that's going on to have another access to.

SPEAKER_02 8:26

So um The only time I've ever had a problem with it is when I can't I you know, there's the five love languages, and Sherman has a six, which is surprises. Like he loves to be surprised. And I only ever had a problem with it when I couldn't like do something without him knowing. Um, I would make sure if my birthday was coming up or a special holiday, I wouldn't check, but he checks everything. Religiously. It's annoying, and it's just like like for instance, this last birthday, I got my own account. He's still I got my sub account. I explained this on the last episode. So we have joint accounts, it comes out of one bucket, but then I put my little budget on a separate account. So I can drain it and I keep up with uh so she can drain it and I can take it down to zero, yeah, and I don't feel guilty about it. I don't feel guilty about it because that was the chicken over here in the maiden's household, but it's not that it's like I didn't like I did the money the cash system for such a long time. I even got Rachel Cruz's wallet, I did the couponing books. I loved it. That was fine, but now I'm like, I don't even want to think about it because I don't, you know, but let's put a little caveat on that.

SPEAKER_03 9:38

There is a season that you need to be doing cash only because it hurts to spend cash. And again, it hurt me a lot, but when the cash is gone, you know there's no more money. Yeah, when you swipe a card, it just like it's not the same. Right when you swipe a card, right? Like it's not the same. So um you have to, you have to go through that, like you have to go through that phase. Because I know someone heard that and said, Oh look, she doesn't just use cash. No, but there's a long season that we use cash. Right. We use cash primarily because it kept everyone honest. You know, if you have X amount of month going into the going into the month, you know, hey, on the end of that month, or whenever you spend all of that money, there's no more.

SPEAKER_01 10:28

Right.

SPEAKER_03 10:29

Right? When you swipe the car, you know, it's 12 years old.

SPEAKER_01 10:32

It's easy to forgot.

SPEAKER_03 10:33

Correct. It's easy to forget. Look at the end of the month, you get that credit card bill, and now it's oh, I'm supposed to spend 500 bucks when I spent.

SPEAKER_02 10:42

It's funny because it's it's funny because when me and the kids go out, um the kids will be like, Mom, can I have this, something, the other? And I always I'm like, I'll either pray about it, which means I don't want to deal with it now. I'll ask Jesus later if they can have them or do whatever, or I'll go into my bank account app and I'm like, I'm gonna see what I got because you know, y'all ask for a lot and I just give them the card out of my account. And um, one time Caden, my oldest, was hovering over me and I was checking and he saw the joint account, like our big bucket, and he's like, I have this nachos or hot dog. I'm like, what are you talking about? He's like, look how much money you have in there. And I'm like, no, no, no, no, no. That's the household budget. Let's scroll to my little account. And then he's like, Oh, okay, never mind. I see what you're talking about. So now I'm teaching Dan that yes, we do have a bucket that it all goes into and we pay all of our bills out of that.

SPEAKER_03 11:39

Um, but my spending fun budget is off of uh I totally agree that you need to have a everyone needs to have a fun account, and the and the size of the fun account is based on your debt, your income, all of that. Again, you'll sit down and do a zero-based budget, and you'll know where everything is, right? You'll know where it is. Um, because everyone needs to have a little, like a little fun.

SPEAKER_02 12:02

Again, yeah, especially when you've been doing it for so long.

SPEAKER_03 12:06

Depends on your income, your debt, all that. But like there is a fun account, you know. But I believe people, you know, I'm around, we're around tons of people. Tons of people talk to me about the finances, of course. And I believe that people just spend too much money. Yeah. Right? People just spend too much money, go out to eat too much, um, buy too much stuff. And again, there's nothing wrong with going out to eat and buying stuff if you can really afford it.

unknown 12:34

Right?

SPEAKER_03 12:35

And you really can't afford it if it's stressing you out, you can't pay your bills, you're deeply in debt, you know, you're stressed out about money. So I believe that's that's some of those things that you have to do. You have to get on a first you gotta combine those finances. Once you combine those finances, it's gonna require you guys to talk, go on a date. You're gonna go to money date, like I love to talk about.

SPEAKER_02 12:55

Meeting and then date after.

SPEAKER_03 12:57

Um, and then you're gonna create a zero-based budget together. And for you, you know, sort of for your nerds out there like me, it is going to take it's gonna take you three to six months to get this budget perfect. And what I say by that, well, like when I say that, what I mean is, you know, month one, yes, you can write out all the numbers, but it's not gonna be totally perfect because you don't know exactly how much you spend on groceries and stuff like that. Right. You sort of have an idea, right? But again, everything changes when you're doing the cash system and having envelopes and trying to know.

SPEAKER_02 13:34

So um you misplace a bill somewhere or whatever. That's like the worst.

SPEAKER_03 13:39

I really used to stress Christina. Like she, I don't want to carry cash about it.

SPEAKER_02 13:42

Because I have kids around me all the time. So if I give you a 20 and then you bring me back different varieties and one gets lost somewhere, it it used to stress me out because I like order and I like things down to the penny. So, and my kids don't care about that. So when I think I have 20 and I only have 10, that's annoying to someone like me.

SPEAKER_03 14:03

Yeah, I mean that's fair. Because I want to say 20, not 10s. Uh, but yeah, so keep up with those, yeah, keep up with those cash envelopes. Um then, you know, again, once you come up with that budget, that zero-based budget, you can pile on those finances. Now you guys are going to know exactly where your money is going before the end of the month, right? Again, that zero-based budget is is so big because you know what every dollar's job is before the month start, right? Yeah. So, you know, if you don't have dollars in your budget for brand new shoes, well, you're not tempted to buy brand new shoes because you just don't know.

SPEAKER_02 14:45

We just don't have it. It's easy. It's easy to say. I had somebody reach out to me and ask, how do you not feel guilty when your mom and your kids are missing out on things? And I'm just like, I show them. I'm like like Caden, I showed them. This is what I have left, and this is what we've done, and this is what we spend it on, you know. So um it makes it easy for everybody to stay in one accord.

SPEAKER_03 15:09

Yeah, for sure.

SPEAKER_02 15:10

And kids love learning about this stuff. They don't want to they really do.

SPEAKER_03 15:14

Like kids are not.

SPEAKER_02 15:14

They don't want to be left out, they don't always want to be told no for no reason. Most of the time it's because I said so, but sometimes it's helpful for them to understand, hey, so we decided to go here to the movies, so we can't just do that every single day. That there's a cost to that.

SPEAKER_03 15:31

And our kids are old enough now, uh, 12, 15, 17, 14, and 17.

SPEAKER_02 15:37

Almost 15, almost 18.

SPEAKER_03 15:39

Yeah. 12, 14, and 17, where you know, uh entrepreneurs, I'm an entrepreneur outside of the home. So, you know, when things go up, they'll know. When things go down, they'll know. Like, hey, we gotta tighten up some things. Again, even though we're not gonna be able to do it. Maybe with them, right? Yeah, like I like to keep them in line with what's going on, only because I believe that's it, like it's really important for your kids to know how to talk about money so that when they get married, because you don't know what their spouse has grown up around. And hopefully your kids can bring these conversations to marriage so that it could be clear and it couldn't be, and it won't turn into one of those stumbling blocks, you know, that just hurt the marriage what it doesn't need to be. There's two things that really hurt marriages that I would love to see just the church at large talking more about. One is money, of course, two is sex in marriage, right? Those two things that uh enough pastors, too many pastors, don't talk about, they need to talk about more.

SPEAKER_02 16:40

So uh you're gonna spend a lot of their off hours working on people, helping people.

SPEAKER_03 16:46

Then they spend a lot of time probably dealing with all this stuff when they could just talk about it from the pulpit. So if you're uh if you listen to this, you go to a church, send it to your pastor. Pastor, talk about money and sex more from the pulpit.

SPEAKER_02 16:58

It's so cliche, but it's pivotal how we live.

SPEAKER_03 17:02

Correct. So we can help our people.

SPEAKER_02 17:03

We're helping our kids understand also that what you spend your money on, that's where your heart is as well. So what you budget for, what you invest in, um, not only with your time, but actually with your dollars. Like if they're working, doing odd jobs, making their own money, it hurts them when they have to think about where this is going to be allocated. And we like that. We like that they have to think twice and maybe I don't need that shirt, or maybe I don't want to go that badly. Um, or they find ways to be more innovative and create more.

SPEAKER_03 17:34

Create more money. I mean, that's one of the things, you know, since the kids were young, you know, one thing that we do, like they'll get paid, and they already know we have a 10-20 sort of spend rule. So we first get paid, 10% of that is gonna, you're gonna um you gotta get a guy, you're gonna tie, right? No question. The merit house, that's what we do. There's no question of that, it's not up for debate. Um so when you first get paid, 10% goes to tie. Right. Right? 10 cents out of every dough is gonna be taxed. Then from there, 20% you're gonna save or invest. 20%. Doesn't matter, like that's again, that's one of those non-negotiables. So basically, when they get paid, 30% is already gone allocated. Now you get to spend the rest of the 70%. I personally don't care what they spend their money on. The mom tries to tell them, oh, you don't need to spend your money on that. But I'm just like, they're doing it.

SPEAKER_02 18:29

It's okay of us right here, right behind her place.

SPEAKER_03 18:32

Um, but my thing is I don't care because they've already taught their 10%, there's they saved or invested their 20%.

SPEAKER_02 18:37

I just want you to be a good steward, not only in your finances, but like in your health and in your body. And daddy's like, oh well, it's their fun money. And I'm like, no, so I don't buy like Twinkies with my fun money. Like, that's all I'm all I'm eating.

SPEAKER_03 18:52

No, they're they're kids, they still have to have a blast of the phone.

SPEAKER_02 18:55

Okay, so it needs to be a balanced thing.

SPEAKER_03 18:57

You have to learn how to blow money so that you, I mean, you have to go to that baby.

SPEAKER_02 19:00

So then don't come to me when you want real food, then yeah.

SPEAKER_03 19:04

I mean, well, we have to feed them. We gotta feed us.

SPEAKER_02 19:07

You know what I mean? Like, but they go out and they're like, Mom, we're gonna go out for pizza. Yeah. I'm like, I that's that's not my problem right now. Already cooked.

SPEAKER_03 19:15

But I feel that, you know, like a lot of parents, they like they'll ask, Well, what do you guys do with your yeah? So like at the Mary's house again, 10% is tithe if you're not a, you know, if you're not into the church, well, give 10% away then, right? 10 10 cent out of every dollar. But I say you tithe to your church. So 10% tithe, 20% you save or invest for a rainy day for the future, right? You should always pay yourself, right? We like to pay God first because he blesses us. Then we're gonna pay and invest in ourselves. Then the rest, you know, kids don't have bills and all that. But if you're listening to this, same thing you could do, you know. Um, again, there was a season for us when we were paying off that $203,000. I just felt like I was gonna get so far behind because I wasn't going to invest while I was paying off the debt. I needed to be laser focused. And, you know, I had a buddy telling me everything's gonna be fun. Don't look at it like that, just focus it, blah, blah, blah. Whatever you focus on, you're gonna do. And uh, I remember he used to always tell me, Well, you're already debt free. He was like, Not not in real life, but you're already debt free because you're working on it. I know you're gonna do it. And I just did it, I I didn't love that answer. Um, kind of like, no, bro, I'm not debt free. He was like, You are debt free because you're doing the thing, you're gonna do it. And now I look back, he was exactly right. Right. Because once we decided we're gonna do it, once we decided we were gonna do it.

SPEAKER_02 20:35

And here's our dog.

SPEAKER_03 20:36

That was like that was pretty much it. Um, so I believe that's really important. Like, once you decide that you and your spouse are gonna get on the same page, that's it, right? You just gotta have to get so tell me this. Um to the listeners, what all three of you.

SPEAKER_02 20:55

I appreciate you.

SPEAKER_03 20:56

How do you think they start if one person makes more money and or it's already tense, right? It's already tense around money. Let's say, you know, one spot's like just tense and anger around money is not enough. Like, how do they start, right? What's step one?

SPEAKER_02 21:14

Um track all your expenses. What are you what are you putting? So join all your money together, figure out what that number is, what each of you brings to the table, and then track every single one of your expenses. That's what I would do. Because the moment you start tracking how much you're spending on gas and um food and grocery and going out and entertainment and you know, different line items, daycare, schools, um clothing, all those line items, once you start allocating a name to every dollar, then there's nothing to fight about. The fact that I spent millions on clothing and you haven't, you know, done that, like you start seeing what the issue. Are when you start tracking um where the money's going. Well, let's talk about this because I before before they like make rash decisions, you know what I mean?

SPEAKER_03 22:10

So I believe that big purchases and whatever big purchases are to you, there needs to be a threshold, right? Um for us at a time it was more than uh well you said how to start. Yeah, no, no, no.

SPEAKER_02 22:20

Like we just see this the big sort of start. We can just see what we're doing.

SPEAKER_03 22:23

Oh, I'm sort of switching lanes here. I'm saying, you know, one way to sort of help with that, whatever a big purchase is for you, or it don't have to be a big whatever the amount is that you guys decide, hey, anything over this, it takes two yeses, right?

SPEAKER_02 22:36

Oh, yeah, that's true. So again, to me, I even call you if I want to perfume.

SPEAKER_03 22:41

Oh, then I hate it. Oh why are you calling me?

SPEAKER_02 22:45

Because why am I spending three dollars on eyeshadow? This is dope.

SPEAKER_03 22:47

Oh, is it a button? Don't call me up. I don't know, I don't care. Um but I believe that that's another thing that you know people are like, well, I have to call and well you have to talk about it. You have to even so if you guys decide anything over $200, we have to talk about.

SPEAKER_01 23:03

Right.

SPEAKER_03 23:04

Okay, that's fine. Like it requires two yeses. And I know at times some of you guys could be out shopping. They have the sale on the shirt, it's the last one. Once in a lifetime, they'll never make another shirt like this.

SPEAKER_00 23:18

Not in your size, they won't.

SPEAKER_03 23:19

So I need it now. No, how about we talk about it when we get home?

SPEAKER_02 23:23

Then you wait, and what happens to me? I wait, I go back, it's not there. But it's there in everybody else's size, just not in mine.

SPEAKER_03 23:30

And what happens when you go back?

SPEAKER_01 23:33

I'm sad.

SPEAKER_03 23:33

Very sad, and the shirt is gone.

SPEAKER_01 23:36

I am sad. See, he's feeling my stress level.

SPEAKER_03 23:39

So it's not in your size anymore. Does the sun's still shine in the morning?

SPEAKER_01 23:43

It does.

SPEAKER_03 23:44

Do you find other clothes?

SPEAKER_02 23:45

But does it shine in my heart?

SPEAKER_03 23:47

Do you find other clothes to buy?

SPEAKER_02 23:50

I do.

SPEAKER_01 23:51

But I always think about that one.

SPEAKER_03 23:53

So for you shoppers, it's okay if your spouse.

SPEAKER_01 23:56

I always think about her, the one that I skip.

SPEAKER_03 24:00

It's okay if your spouse says, Hey, I don't know, let's just talk about it tonight. You can't get angry and say, Well, the shirt's gonna be or the whatever's gonna be going, or the the gun or the car.

SPEAKER_02 24:10

Oh, hey, if it's going tomorrow, that means And I'm talking about like a nice leather jacket that you can see in your wardrobe for like years to come handing down to your daughter. Oh, like this, it's just a classic style. It's never gonna go out of style. That's what I'm talking about.

SPEAKER_03 24:26

Doesn't matter.

SPEAKER_02 24:27

And it's like 90% off. And just because it's a few dollars over budget, 90% off is still $2,000.

SPEAKER_03 24:35

So imagine how much. So this so this 90% sale let me get this bear off of me. Means absolutely nothing to me. So uh I believe that you guys sorry listening to this. One of the things that we need to do, uh, let's talk about some action steps here while we're sort of in this out. You need to go on um money date, right? Again, go on a money date um this week with your spouse, right? Uh go to our website, www.matrimoniemoney.com, download the money date guide, other free resources on there for you, so that this first meeting or second meeting, whatever it is, can be fun and it can be not confrontational. Because what happens a lot of times is people think about money, they know it's gonna be tense, so then when someone says something wrong, it just blows up and like, well, I just don't want to do this, someone storms off to the next room and then it never happens. And we just continue to do this time and time again. So I believe that one of the practical steps is you guys sit down, money date night. Um, if you don't even know where to start, again, go to our website, download the free resources. Nothing's nothing's for sale. You can get free resources so that you can make this these early experiences cordial and good because the more you do it, the easier it gets, just like anything else. Right, right. Um, so that's what I would say.

SPEAKER_02 26:10

Um And know that you guys are on the same team, obviously we all want to make millions, we all want to be able to get whatever we want, whenever we want to, but that's just not reality. Sometimes the budget isn't there, and that's okay. I I think what helped us a lot is that we worked on things together and we always saw it as that. Like we were a teen, that we weren't like the last thing you wanted to tell me was no, and I knew that that was your heart. So really talk to each other and really see each other's heart and all of it. Is your husband trying to control you?

SPEAKER_03 26:41

Um no, his well, hopefully not if he's a good husband. So I got the dog hair all over the place. There's some bad husbands out there that want to control everything, but yes, um, but again, love, you know, love but that sometimes might be the say the situation too.

SPEAKER_02 26:58

Like trying to figure out what's going on and then move on from there. Like what the heart of the issue is.

SPEAKER_03 27:04

So we're gonna end with a question.

SPEAKER_02 27:09

Um sorry about blitz, guys.

SPEAKER_03 27:12

Comment below. You know, are your finances are your finances combined? Are they separate?

SPEAKER_02 27:23

It's a good question.

SPEAKER_03 27:24

Tell me why, right? Like you can totally believe that um oh, they should be separate. You can totally believe the wrong thing. There's no issue with that, but it's wrong, I'm telling you. But comment, let us know because again You never know. No, it's interesting. I don't know.

SPEAKER_02 27:39

It will be interesting to hear your responses.

SPEAKER_03 27:43

No, it's wrong. Two become one.

SPEAKER_02 27:45

No, I just don't know everybody's situations. I don't know that many.

SPEAKER_03 27:48

Well, what does that mean? What is what is situation? I don't know.

SPEAKER_02 27:51

I don't know what it means because I don't know the situation.

SPEAKER_03 27:52

Two become one in every aspect.

SPEAKER_02 27:55

No, I agree with you, obviously.

SPEAKER_03 27:56

Okay, so what are you talking about?

SPEAKER_02 27:58

I still know what other scenarios I don't know what other scenarios there are out there. All right, guys, so I'm just interested to hear. Okay, yeah, comment whether you're joint or you're separate.

SPEAKER_03 28:10

And if you are listening to this, remember, we need you to hit that subscribe button wherever you're listening to it. Apple, uh, Spotify. If you're watching us on YouTube, subscribe to YouTube. A lot of you guys are know we're on YouTube. These episodes are even better on YouTube, so check it out. Um, so guys, as always, tell a friend to tell a friend to tune in, and we will chat with you guys next week. Alright.