Katie Byrne

We make financial decisions day in, day out.

The items we buy, the money we save, the goals we set.

So it can be easy to forget that some of the biggest and potentially life-changing money decisions might be hiding in plain sight.

To help us get a sense of these decisions, what they are and how you can make them a clarity, we are joined today by Kel Gallivan.

Kel, you are very welcome to Money Talks.

It is good to be back.

So, Kel, before we get into it, tell me, do people tend to get so caught up in the little decisions that they can lose sight of the bigger, more important ones?

But I think they're worth talking about and they're worth kind of giving a little bit of air to.

So let's get straight into it.

Number one on your list is who you marry.

Thanks.

You know, it's funny, as you're saying that, I'm thinking back to a piece that Leah Hines wrote for us recently, and she spoke to single parents and how they are financially surviving day to day.

And one of the parents said, yes, it is a struggle, but being released from the financial chaos of her partner

really, and having financial independence and making all of her own decisions was ultimately a better thing for her.

And I thought that was interesting because you do, you are marrying into their money style, you know, so like you're saying, having that the same attitude can be very helpful.

I guess as well, you're going to empower and support each other to go for the bigger salary, to go for that job, to, you know, to push yourself.

And that's very helpful, too.

Yes.

We're hearing a lot more about DINCs, which is double income, no kids.

Do you encounter them in your work as an investment coach?