The Secret to Financial Success as a Couple...

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Title	:	The Secret to Financial Success as a Couple...
Lasting	:	18.12
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Views	:	161 rb

@8:10 😂😂I already fussed over his “bank” choice
Comment from : @MsAquarius27

We're having to have a big talk about money now, after 32 years Now that I am trying to retire in a couple years and my husband quit his job last year and has not brought in any income After 18 months I had to sit down and set some boundaries and let him know I will no longer be subsidizing his "early retirement"
Comment from : @Lorivate-e7o

First time watching you with my Bank of America account 🙃🙃🙃🙃
Comment from : @Jesscov7

I just bought your book and I am making you my mentor this year on finances I enjoy the way you teach, straight to the point, no flush and clear !
Comment from : @Philliprgarcia

Talking to an adult like they are children is exhausting! Don't want to be with anyone like that Having to tiptoe around real issues No bashing but why do we have to baby people over real stuff
Comment from : @AMurphySharp

Such a good video Thank you so much man 😀
Comment from : @oscarcartwright5979

Love this What would suggest about investments? Would you suggest two investment portfolios or both contribute into one under one name?
Comment from : @RiffsRhythm

What a Beautiful Video! Thank you so much!!! ❤❤❤
Comment from : @himalayansuperbikeencounte4368

Dama and damma advice , guys do not combined your financial money together , no individuals should be a slave to their partner
Comment from : @salleyshuaib3859

Can you guide us how to manage finances when both of us is running our own businesswhen there is no stable source of income
Comment from : @drsakshi5805

It’s fun to buy or rent 2 houses so you can have lots of time alone to create a masterpiece of art 🖼️ and your life! 😂❤🎉
Comment from : @TravelFun-qw8pi

What banks do you recommend?
Comment from : @satasaderoberts9273

Thank you for the advice Lately I’ve been struggling and playing the blame game instead of looking at the bigger picture which is having general conversations about money and how to strategize a plan for how we can move forward
Comment from : @brianadiaz3919

Thank you My partner has been upset with me because I don’t talk about my finances with him and this really help clarify a lot of stuff in my head on why money negative is a topic for mebrBeing with Bank of America is bad?
Comment from : @jamineup12

Hi @ramit thank you for all of your helpful videos! I wonder, could you make a video like this "sitdown" video, but have the audience be both partners? While I try to have these conversations with my partner myself, (ive tried to have this gentle conversation so many times without my desired result of having a designated meeting ONCE PER YEAR) Rather than having talking points to one partner who's trying to gentlely guide the other, have the whole script be talking to both partners? I'd like to say, 'hey let's watch this video together' amd have it be like an intro BUT I guess that's what the new book is going to be like 😅
Comment from : @gabsfairchild

I love you video Problem with combining finances when one person overspends is that I don’t want to waste time discussing why my partner did not stick to the plan I could use that time to solve world hunger
Comment from : @michaelao7871

We worked out a sort of proportional system in out prenup and it works like a charm No arguments about small expenses, no arguments about "why you invest your money in index funds instead of spending it on a lavish vacation?", we basically share joint expenses, but other than that each party can manage their own finances We talk about bigger, joint purchases of course, but the day to day running of our finances requires on Excel sheet and a 30-minute conversation at the end of each month It is hard to find a partner who is willing to talk about money and is also happy to stick to a cost sharing plan
Comment from : @Sanzarc

primerica, hahaha
Comment from : @laoshuboluo

Hey Ramit, love the videos! I've learned a lot about budgeting in a single week from you I gotta say, you should look into asking your editor(s) to de-ess your video audio a bit more The "s" sounds when you talk are really really ear-demolishing :D Wish you the best!
Comment from : @kriismuss

I wish this video was ready an year ago thats the only flaw in it 😅 very good to hear i wasnt going crazy on what i proposed Its just clear his fear of commitment Thank you!
Comment from : @brunagosta7296

What to do with a wife that does not want to contribute any money at all? Expects husband to pay 100 for everything?
Comment from : @Eric-nh2yb

Step 1: Don't get marriedbrStep 2: Look back at Step 1
Comment from : @lajhoncampbell8051

Not me with a Bank of America account 😅 why is it so bad?
Comment from : @auroraborealis6845

Amazing very very helpful
Comment from : @deniapzvikonyo6662

Awesome Ramit, thank you so much 🙏🏻💫🕯
Comment from : @devijahn

What’s wrong with BofA ?
Comment from : @selmamaacha-chahed7750

Bgm name
Comment from : @dreamer-bk2gk

My fiancee literally uses BofA and we are now not choosing them for our joint accounts thanks to your video!
Comment from : @pandaevenstar

Talking about money is not the same as agreeing Husband and I are 2 yrs married he doesn’t agree on anything It’s exhausting I’m always tried I just want to financially separate
Comment from : @21truthbetold

I thought about getting a Primerica term life insurance policy Are those bad, or are you referring to their other products? Please let me know 😂
Comment from : @blacnium1

"Love you! Love you babe!brBut I'm not living on a farmbrGoodbye" LMFAO
Comment from : @kaleahmccants6531

NO FKN WAY
Comment from : @SilverBackELTorro

My girlfriend is going to waste 20000 on her entitled daughters sweet 15, instead of using that for her schooling as an RN I’m not contributing because she’s entitled and I’m not her father If she were to be humble and kind, I don’t mind pitching in but it’s not gonna be no 20000 or even half No way, and I’m not going since she doesn’t approve of me even though we live in a peaceful house and never worry about being financially unstable At this point, I think I’m getting my own place
Comment from : @rivasb495

Yours mine and ours works for us, with total transperancy on assets/income/etc and expenses split based on incomes Never once had an argument about money Do what works for you Combining everything would lead to arguments for us
Comment from : @adamp6320

My partner and I keep our bank accounts separate, but we each pay a percentage of our shared expenses based on our incomes We also do our own monthly budgets and talk about money fairly often It's been working very well
Comment from : @IBPaintsppp-wt5ou

I love all of this My wife and I combined EVERYTHING 6 months before marriage We have been married 8 years now Same checking, same savings, we have a strategic credit card plan, but both are authorized users on each other's cards It's what works for us It's our money, not mine or hers So we think of our income as one, even though we both have separate checks (We also work together in the same place)
Comment from : @hantzmetellus7177

Love this advice, thanks for the video!
Comment from : @samaaaa7

The idea of not combining finances as a married couple boggles my mind Wouldn’t this result in one person having more money than the other? Isn’t that strange? It’s like oh I am going on this vacation I saved up for, sorry you can’t afford it since you haven’t saved
Comment from : @auntviv1251

Dang it! I've been using BofA for 20 years! What should I use?
Comment from : @stephanmanning5277

What's wrong with primerica?
Comment from : @jessicamorales2066

I feel like combining all of our finances is a risky move, what if the marriage ended? How do we make sure that the separation does not bankrupt one party? Plus, many people end up in an abusive marriage Combined finances does not allow the victims to pack up and leave Your video does not address it, it's all scenarios based on a positive, successful relationship, which is not always the case for many people
Comment from : @yani7nov

We need episodes of couples with past marriages with kids With past issues, how couples look into finance again together Not trying to earn $ from a relationship but we are talking about 40s to 50s year old couples, not fresh grad, not just going to get married brbrI mean committed to relationships without getting married, how to ensure we protect one another Especially if one partner believes in marriage , believes in financial discussions, but not the other one If need real couples story, I’m ready to speak to this
Comment from : @chingsynnteo7112

Imagine if this kind of thinking was applied in taxes
Comment from : @therealstanthelee2141

8:10 I laughed way too hard at this 🤣
Comment from : @mehvids

Don’t buy an expensive car but buy a jumper for 10k… and get a posture couch Okkkkaayy 😂
Comment from : @MuaadJusab

Option 2 for the win
Comment from : @jneumonik

Io e mio marito non lo abbiamo mai fatto e quando ho iniziato a parlarne lui non voleva mai si offendeva, è un grande problrma in una coppia se non sene parla Infatti poi ci siamo separati per tanti motivi, uno è anche la mancanza di comunicazione sulla gestione del denaro grazie Ramith
Comment from : @francescaruggiero7673

you talk a lot about the horrible banks of BofA and Wells fargo However I can't recall ever having heard you mentioned an alternative of what you consider to be a "good bank" any suggestions?
Comment from : @the_luxsgaming2853

We went through a brief marriage course before getting married We talked about money and found we share similar views and goals That allowed us to join all of our accounts comfortably and we don't worry about who pays for what Anything that comes into the account became ours and it's liberating not having to care about "fair" contribution
Comment from : @Azel247

Gread advice Just wanted to chime in that my girlfriend and I are one of those couples who don't combine our finances, but we're 100 transparent with each other about our money We talk about money regularly, show each other what's in our bank accounts and all that We're also both very anxious about money due to how we grew up, so we're aware that if we saw money leave the account we'd both freak out and ask "WHAT'D YOU BUY FOR $___?!" So, we keep it separate and are both great with our money and have savings and investments set up We split major expenses and fund trips together, and I'll often pay a little bit more due to having a higher income
Comment from : @bootmanmstz

I've been looking all over the internet for someone to explain how a teacher/state employee with a pension between 40-65 of their take home pay at retirement should invest for maximum medium to long term wealth (retirement and brokerage) At 35 is my pension considered my safe percentage so I can invest very aggressive or do I ignore the pension completely and invest in Roth/403(b) and ETFs?
Comment from : @grantzwingelberg8752

I’m a littlebrLate I think Why not WF orbrBOA? Is it because they don’t really give back?
Comment from : @luisaparra4799

Can’t have a financial channel while still promoting marriage It doesn’t make any sense for men knowing what the laws are
Comment from : @stevegonzales7295

Question, how about a podcast episode for singles? We have goals too …
Comment from : @AriamL-l1q

I understand there is a ton of mistrust these days but everyone should take steps to built a joint life with their partner over the years Make sure they don't control your future but ensure you have a life building toward something together!
Comment from : @Username_CC_

What's the ultimate goal or "end game" for married couples who keep their finances separate?brbrI can think of a few scenarios (ensuring inheritances for children from a previous marriage, spouses planning to leave, etc) but, if you intend to spend a lifetime with someone, isn't it all shared assets in the end?brbrNot judging Genuinely curious
Comment from : @eddiemalvin

This video has some awesome insights! I'm definitely sharing it with my partner to boost our financial game
Comment from : @mehith_karanam

Starting a business from stretch balancing your finances according to your budget some basic rules and information one can acquire
Comment from : @zaheermoosa3233

Not sure why you rant against someone talking about the idea of using coffee money to grow wealth Research and experience proves that is a true concept that works Not that everyone needs to do it, but why attack someone for telling the truth? Not very respectful
Comment from : @c88485

His spending habits is an indicator of his money habits brIf he shows up in status symbols I am thinking " this guy is in debt"
Comment from : @eileenwatt8283

would definitely read a book with ramit outlining all of the observations he's gathered about attitudes and finance strategies couples have, and how they play out in the real world maybe with a licensed psychologist explaining what's going on in each scenario
Comment from : @swithheld9905

I can only imagine a divorce being complicated with combined finances
Comment from : @Kilabyte21

Great advice and life lessons 👌
Comment from : @UnwanaUdoh

Awesome!!!!!!!
Comment from : @xrpjon_998

My suggestion for the “first few dates” is to ask more general questions, which allows you to see if you are really on the same page or not or have the same interests For example, what do enjoy doing most? What does the perfect weekend look like for you? I love this question because if it doesn’t include church it’s a major red flag for me What’s your favorite book(s)? If they don’t read books or include personal finance books it’s a major red flag Etc
Comment from : @joyfulone1

Great advice 😊
Comment from : @debbiecurrlin335

I feel when it is separate it keeps the individual accountable / responsible with conscious spending
Comment from : @_ssjim

What if one person wants to purchase something and the other doesn't? How would 50/50 work When is it okay to break the 50/50 without building wrong attitude/ resentment ?
Comment from : @_ssjim

This was great! Thank you :)
Comment from : @Nikarichi

My hubby hates when he comes home and one of your videos is playing "Hunnyyyy?" he whines "Can I change it?" It's not because he hates talking about money or he's not interested in changing our situation It's because 1) as kind of an abstract topic, wrapping his head around finances is difficult, and 2) all your guests seem unrelatable to him He doesn't make as much as them, they all seem to have high net worth, even if their chequing accounts have less than $10K, while we're scraping by with me home with our son He was SHOCKED a couple days ago when he opened his T4 and saw that his gross earnings in 2023 were close to $100K I reminded him that taxes take 13 to 38, we're still paying his car loan and a bunch of other debt, and our expenses are still actually kinda high even without all that We do sit down and talk about finances, and I've been trying to implement your tecniques and tactics for conversation, and it's helped us stay out of some pretty major mistakes, but we're still just plugging away, waiting until we have about 90 of our debt cleared before we can actually make some really good-for-us changes
Comment from : @stiaininbeglan3844

Thanks Ramit! I am getting married in July and was curious about joining our finances, so this was super helpful I’m also proud to say that I, in fact, did not break up with my fiancé, but we just finished closing her Bank of America accounts!
Comment from : @lbpearson88

I earn around 8000 per month, my wife earns 1000 per month We have a two-year-old daughter I already cover all expenses, including her health insurance and her mobile subscription, and I also transfer her money weekly for grocery shopping She can do whatever she wants with her income, yet she says she feels excluded from the money I have openly shown her all of our expenses, and we have defined savings goals together (which I will save for alone) Do you have any advice on how I can improve my/our situation?
Comment from : @diegomatos2219

please more money conversations to have with your spouse! I would love the chance to sit and talk IWT frameworks but I do not know how to really bring it up
Comment from : @benks464

Do not combine incomes until you're comfortable looking at one another's credit report files
Comment from : @BobSure_AKA_PotatoSmasher

Talking about money, and other important values, after engagement seems a little late, no?
Comment from : @justvincenturb

The constant jabs at Wells Fargo and BoA kill me every time hahaha
Comment from : @celinelover

NO WAY!
Comment from : @renemontenegro6143

Thank you Ramit! I’ve been curious about this topic and your video just clarified things for me Couldn’t come in a perfect time Thanks for educating us all!
Comment from : @jocose2206

I understand the incomes & expenses part of joining finances brbrBut how about equity? Property or shares in a business, both from before the relationship and those which started during it?
Comment from : @myname7890