Tori Dunlap

You don't need to show me because there's just so many friends.

Yeah, they're quite literally fucked.

Yeah.

So...

We need some of our own money for all of the reasons I just outlined, but also like the fun stuff of like, I want to be able to like go and spend X amount of money without consulting my partner first.

So that's the first conversation is like, what amount of money do we both feel like we can spend without having to have like a family conference about it?

That might be 300 bucks.

That might be, I don't know, a thousand might be more than that.

I don't know.

But that number is unique per couple, right?

So that is the money that you know, yep, I can go spend it on my hobby and not have to have a conference call about it.

But I think beyond that, it at the very minimum looks like six months of living expenses or even three months of living expenses.

If that's the only thing you have, that is better than nothing in terms of separate.

I think the most ideal is having your separate accounts.

So your savings and your investments, your savings and your investments, and then a joint account for shared expenses.

So your rent, your groceries, that sort of thing.

That's like a really good hybrid.

Yes.

While also still protecting the autonomy of both people's financial futures.

So my mom is a non-compensated working mom.