Julia Carpenter

speaker

3,850 appearances 71 recordings 1 series first heard Oct 2019 last heard Sep 2024

Julia Carpenter’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · What Interest Rate Hikes Mean For Your 2023 Financial Plan · 15 Dec 2022 podcast

So this means you need to have that emergency fund to rely on should catastrophe strike.

That's a good way to think about it.

You shouldn't be, you know, thinking of the interest rate as the deciding factor on any of your plans, but you should be thinking about it as the thing that is shaping your plans.

Thank you for having me.

WSJ Your Money Briefing · For Couples, Sharing Money Offers Financial and Emotional Gains · 8 Dec 2022 podcast

When you are sharing money with a partner and your money is all in one pot, you're voice-verified

then you are thinking more about what that money is being used for, whether it's being saved for a down payment or being saved for retirement or saved for education, some common goal that your money, our money in that case, is going toward. voice-verified

I've looked at a lot of studies that show that married people have this wealth advantage over unmarried people, both unmarried couples who live together and unmarried single people. voice-verified

In one study from the Federal Reserve of St. voice-verified

Louis, married couples hold four times the wealth of unmarried couples who live together. voice-verified

That was surprising to me because unmarried couples who live together in many ways are very similar to married couples. voice-verified

But it seems that some of the things that are differentiating these sets of people are housing wealth, which we know has only gotten more expensive in this country to own a home and purchase a home, and combining finances. voice-verified

That once you start pooling your money with another person, you're able to then grow wealth. voice-verified

it seems that one of the big things combining money does is it makes you think about goals more. voice-verified

So when you are sharing money with a partner and your money is all in one pot, then you are thinking more about what that money is being used for, whether it's being saved for a down payment or being saved for retirement or saved for education, some common goal that your money, our money in that case, voice-verified

is going toward. voice-verified

One of the games that the researchers played with people that I thought was really illuminating is they were looking at why people feel more accountable for their money when they share it, why you're less likely to make a frivolous purchase or a silly purchase when you share money with someone. voice-verified

And what they were offering these people in this study as an option was you could either buy this coffee mug, which was coded as sort of the utilitarian, sensible, reasonable option, or this beer tankard. voice-verified

Hold on, what's a beer tankard? voice-verified

Oh, a beer tankard, like if you go to a beer house or a beer hall, they have those like giant frosty mugs of beer that they bring out to you. voice-verified

Sometimes they're copper. voice-verified

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