Phoebe

Great to talk to you guys.

I have a question about, I just got engaged.

He's amazing.

So I own a business. I've been open for two and a half years. It's a little facial spa and he is a musician. So he's self-employed as well. And I'm wondering, because my business is basically me, I don't have any income that goes into my personal account apart from my rent being withdrew. So I'm wondering, how should we combine our finances?

How much should I pay myself for when we have a joint account? And then also... This is kind of like a two-part question. He's in debt 25,000 student loans and he doesn't really think it's important to pay those like all at once.

And then pay them off?

So he is kind of on that like pay them slowly, auto pay kind of thing whereas I think you know being I'm not in any debt and I love not being in debt so I kind of want to get on the same page with that and I don't really know how and then one more question we don't live together yet and when we get married and do we basically I'm just wondering if

San Diego is very expensive and we want to buy one day and we were thinking of looking out of state to buy something that would be cheaper as an investment property and what your thoughts are on that and then if renting is like wasting money in the first few I guess years of our marriage.

Fairly. I know that you say no about buying out of state but Maybe there's an exception because San Diego is so expensive.

I... I don't have that many bills. Right now, my lifestyle is quite low because my rent is very cheap. Hey, hold on.

Yeah, everything for my business, I buy that. And then I have money in a different Wells Fargo account that... I buy my own lifestyle.

I have about 10,000 in my Wells Fargo that I've just been using. I've just been using that money for personal, but it's because I sold some things. I have that money.

Maybe like half of what I make.

Yeah, that sounds good.

Oh, yeah. That's something that I've been wanting to do, and he said that he would. Good.

He's a multi-instrumentalist. Oh, dang.

No, I'm just kidding. No, he's actually very great at all of them. He sounds like a savant. How much money does he make a year? Probably about $40,000. Okay.

And we both have savings, like a good amount of savings. Yeah, but those go away so fast.