She's On The Money - Is This the Biggest Financial Decision You'll Make?

Episode Date: July 10, 2025

It’s the finance hot take that’s everywhere right now, but is your partner really the biggest financial decision you'll ever make? This week, we’re taking a closer look at the money-meets-love dilemma that’s dividing the internet, and our community. What happens when you're a budgeting queen with big goals, and they’re... just not? Is financial compatibility a dealbreaker, or is there more to the story? We also dive into the side hustle stress no one talks about: how to manage money when your “fun little project” suddenly starts making bank. It’s full Friday Drinks energy: slightly chaotic, surprisingly insightful, and the financial group chat you didn’t know you needed. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 451289.See omnystudio.com/listener for privacy information.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gilinyan ganya, nianakaka yao yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan, mumubangaraboma ininyalan waka, gaunonyakarumja, wutunadanar. Hello beautiful friends. We gather on the lands of the Aboriginal people. we thank acknowledge and respect the aboriginal people's land that we're gathering on today take pleasure in all the land and respect all that you see she's on the money podcast acknowledges culture country community and connections bringing you the tools

knowledge and resources for you to thrive she's on the money she's on the money hello and welcome to she's on the money the podcast that makes personal finance fun especially on fridays it is our favorite day of the week because we get the team together and celebrate you the incredible she's on the money community miss jessica richie she's here sharing our favorite money wins. Ms. Bec Syed is sharing her broke tips and we're going to be helping to answer a money dilemma, which is all about managing money from a side hustle,

which I think is set up perfectly for you this week, Bec. And something that you slid into our DMs about, wait for it, whether your choice of partner is actually the biggest financial decision you'll ever make. Anyway, I am excited to talk about that one because I don't know, a man's not a financial plan, but could he be? How were your weeks?

My week's been good. I unfortunately caught the bug that seems to be doing the rounds. I thought you were about to say I caught the bus. I was like, oh, sorry, Jess. That's so funny. I can just imagine you on like watching you from behind the bus, like you know when the bus kind of like jumps around. I can imagine Jess running for a bus too.

Oh, I've definitely run for a bus in my day, absolutely. So funny. No, caught the bug that's been doing the rounds this time of year, I think, which is a bit unfortunate. I'm sure it is. So just spent the last couple of days in bed, to be honest, but I got a lot of reading done, which was nice. A lot of sleeping.

She's so productive. Jess still confuses me. She messages me and goes, can I please have a sick day? Sorry, I'm sorry. If you're having a sick day, you don't ask your boss. You tell your boss. You call your boss or you text your boss and say, hey, I'm not well. I am not coming in.

But Miss Jessica Rookie is like, I'm actually really sick. Would it be okay if I don't do work here? Jess, at what point are you going to learn? No, I know. And I know like you would also never say no, But I just feel like the polite thing to do is to ask. I know. It's very cute.

It's very cute. But you know when you're like, Jess, just take the tape home. Yeah. Also, do you need some memes? I may help. That's so sweet. Chief meme sender. How's your week, Bec?

Well, my week's been a little bit wild, actually. I was offered literally just four weeks of work at the ABC, which is where I've always wanted to work, always. Yeah. But I told my boss and she said, well, you have to resign if you do that. And then I was like, well. It would be against your contract, right, to work for another network. it would and so i don't have any savings apparently the opportunity was too good to say no to yes i

don't have savings i don't have a job lined up after that i will be unemployed for sure come august 8th um but i did resign me so much anxiety that is okay we're manifesting you're just gonna slay your job so hard they're gonna offer you a full-time job oh 100 you are gonna run rings around it i just know they'll love you we love you so it just makes sense that's so nice thank you so much oh my god you guys so fingers crossed honestly I don't feel a single bit of stress about it maybe it's just because it doesn't feel real yet that's crazy when it happens I might feel stressed but right now it's chill it's so chill I love that so I actually feel really good it's been a really good week um and what about you VD I have an extra needy dog today um yeah we do video

now and I just think that I don't know what's gotten into her I think she just doesn't like it's been raining a lot today. She just seems to want to sit on me and she keeps knocking my mic out of my hands and she doesn't have, look, literally no respect. Anyway, you can't see her, but like just imagine a dog, a very large dog trying to sit on my lap and also knock my mic around. Do you know what? I'm not going to lie. What do you mean it's the new financial year? What do you mean it is July? What do you mean we're in the second half of the year? What do mean we're in third quarter no it's crazy no I want I want to do again I want to repeat I just the first six months flew by and I feel like it's only just started to hit me and like lame but like

I had so many plans and I've done none of them haven't we all we're all I feel like everyone's probably in the same boat on that one yeah next month I'm going to Bali so like there's something to look forward to yeah I know right but then then it's almost the end of the year which means that you have a whole another year yeah next month is August and August is basically December and December is basically 2026. It's almost Christmas time. Oh, my God, I'm so excited. You too.

You too need to calm down. And also it's probably a good reminder that if you don't have your Christmas savings account set up right now, now is the time. Such a good point. That's a really good reminder. Thank you. I will be saving for Christmas and absolutely nothing else. I'm excited.

I'm so excited. It's my favourite time of year. Speaking of love, we had another five-star review. Would you guys like to hear it? Yes, please. Okay. This one is from Jess. Great name.

Five stars. Love. I'm a new lister. Can't believe I've only just come across you guys now. I'm absorbing every single episode and I'm taking notes too. I love it. Isn't it cute? We've got a new friend.

Along you take your notes. Great name. Great name. Excellent name. That's very Jess to take notes. Yeah. It is a little bit, isn't it? I feel like Jess would never turn,

any Jess would never turn up to a meeting without a notebook. Like that's just. Yeah. It's like a core personality trait. Yeah, like type A, you all have notebooks, you're all prepared. And I don't think I've met a Jess that was mean. No, I completely agree. I never met a chaotic, irresponsible, mean Jess.

No, I've never met a chaotic Jess. Never, never. Oh, if you're a chaotic Jess, slide into my DMs. Yes, slide in. I'm sure we're out there, absolutely. All right, Miss Jessica Ricci, money wins and confessions. What's the community got this week? Alrighty, firstly this week I've got one from Ashley who said

she had a koala office chair that she wanted to sell on marketplace but the gas lift broke she knew that it was still under warranty and that she'd get more for it if she got that fixed so she sent koala a message and was told they don't make the chair anymore so they can't send out the spare part but instead they'd come and collect it from her and give her a full refund sorry what so how good is that for customers so she got all her money back and she didn't even need to sell it on marketplace she sold it back to koala she literally sold it back to koala i For the amount that she purchased it for. So basically she got a free chair, it broke,

she sent it back, got all her money back. The definition of a money win, I'd say. That is a good deal. Honestly, that is, I feel like in 2025, all I hear is like companies with bad exchange policies or like people who have really bad refunds. Like, no, not Koala apparently. We love it when a company looks after their people.

Next, we've got a money win from Beck who said, money win, I've been wanting a Dyson Airwrap for over a year. Girl, I get it. And I've been looking at all of the pros and cons and decided I would most likely do it when I saw that it came down on sale from $849 to $596. She's been putting money aside. Hey, that's good, yeah.

Good deal. She said she's also very into Googling discount codes. As you should be. She found an additional code, brought it down to $500. Oh, God, that's good. Okay, good deal. She says she felt like a saving of $349 is pretty great for something she'll use every week.

Adore. Well done. Next, we've got a money win from Belinda who said she finally got herself one of those Baker's Delight Too Good To Go bags. Oh, I really want to do that but I just haven't done it yet and I also know that I will eat absolutely everything in there. Like I just know that I don't need it. Well, she gave us a little peek at what she had inside.

So she had one loaf of bread, six bread rolls, four sweet scrolls and two savoury rolls. How much for? $9.99. No, absolutely not. Oh, my God. That's so good. Like six rolls, easy.

You already got your like. Yeah. They're like more than a dollar nowadays. It's insane. I think that's insane for some flour and some, I mean. $7 at least for a loaf of bread from Baker's Delight. I'm sorry, Baker's Delight. I do love you.

Oh, I love Baker's Delight. I also love their TikTok. So their TikTok girl, they're like social media manager. Her name's Madeline. I don't know how I – How do you know that? Because I follow them on TikTok. Anyway, do you want to know more gossip about Madeline?

Absolutely. Anyway, I feel like I know her from I don't know when. Maybe we – like, you know those faces where you're like, I know this girl. I reckon I worked with her in retail at some point or did something. We've crossed paths. Anyway, their TikTok. they're hiring for her replacement because she's going on maternity leave and like sorry i'm so

invested in this replacement process baker's delight tiktok still apps so good that's so clever i saw them making buns once it was delightful and they have a new sorry they have a new this is not sponsored by baker's like but if you want to be call me babe like it could be the baker's delight money wins they have a peach it's gone now peach and raspberry and it's and it's frosted we should go to Bakersley after this episode did you mention which sweet because you know

the like the custard walnut oh yeah she didn't say I'm sorry the scones are so good and they do really good danishes anyway let's move on oh yes they're literally not paying for this and they should be next I've got a money win from Victoria who said I went great name I've also never met a Victoria I didn't like it is

Victoria with two t's we've had a Beck that wasn't you we've had a Jess that wasn't you and now we've had a victoria that is actually very funny so self-centered i love this well victoria said she went to buy some multivitamins from chemist warehouse they were selling at their normal price and a competitor had it cheaper so she flagged the cheaper price and they ended up charging her less than what the competitor had it yeah because they eat it that does sound like something i would do there you go that does sound like me someone had cheaper than chemist warehouse i'm fine i find that hard to believe well it's it's all true i'm gonna need receipts and lastly

this week i've got a money win from christine who said she took her kids to disney on ice on the weekend but they brought their own it is but christine said no no we're bringing our own snacks our own drinks and the kids were happy to just pop the bubbles coming out of other kids ones so we didn't buy any of the merch she said they avoided paying the mouse tax and saved themselves hundreds okay i also have another hack because i'm on parenting tiktok the kmart one the kmart bubble wand is like 12 whereas if you go to disney on ice apparently the bubble one's like 59 are you joking that a bubble wand extortion it's so be water girl i only have a one-year-old so we're not at the point where he peer pressures me into purchases yet um i just know that we'll

get there that's crazy no so kmart has a bubble wand for those of you who might be interested that could also be a really good present like harvey's only one anytime i get bubbles out bubbles are fun chaos there you go byo stuff excellent tip i love this those were some good money wins miss beck say yes tell me okay what have you got when it comes to broke tips and for those of you who maybe missed it we now have a broke tip thread going live every single week in our facebook group where beck goes in and has a little bit of a look at your broke tips i do um but also so does everybody else and i want you to know that i i want to love heart all of them but i'm scared that i'll miss one and so for that reason i don't and that's why i now no longer

a love heart people's comments yeah then you get off it and then new comments happen and then people might think that yours didn't yeah exactly or even just like sometimes you just randomly miss one you're like oh my god this person might think why didn't yeah like what if I comment on your thing and then I'm like oh my god this is incredible but someone 100 comments down said the same thing earlier I don't know I just get anxiety I don't want people to think that I've got favorites I don't I love you all I know okay so this first one comes from Jacinta who said that she did surveys on pure profile because she knew she was running out of money for food i totally get it i've been there so many times before every single day of my life she did enough to get 20

dollar voucher for woolies and bought stuff for 23 used the three dollars of her own money and it helped a lot which is great hey that's actually such a good broke tip if you've got no cash if you can go to 20 bucks 20 bucks 20 is 20 i know so pure profile i know we talk about surveys but i had not heard of this one before so it seems like i used that one back in the day oh there you go i know they are legit otherwise it's something real quick this next one comes from shiara i'm so sorry if i'm saying your name incorrectly who says that she uses a massage gun what she does is she holds a massage gun to an almost empty bottle such as lotions shampoos etc oh it's like turbo shake yeah turbo shake and then actually after she sent me that i saw this like thing come

up on my Instagram kind of like showing. Of someone literally doing that. Of someone doing that. It wasn't like same day. It wasn't Jacinta. That would have blown me away. But it was not Jacinta. It was someone else.

It was on Puberty, the page. And she put the massage gun to the lotion and it all came out. Like it's not like drips and drabs. It's like the whole thing. It makes sense. There's so much left. It's turbo shaking. Yeah.

Isn't that wild? See, I don't own a massage gun. No. I don't use a massage gun and physically I have no need for it, but I have, again, going back to TikTok, I have seen people use the massage gun while using the vacuum in their car to like make all of the dirt vibrate and then pick up even more.

Oh, that's genius. Right? And I just, I've never wanted to try something more in my life. That's so cool. Because I love cleaning my car. In fact, this is going to sound so lame and you know what, a little bit out of touch, but I have a car cleaning subscription to a car wash near my house.

which actually because I do wash my car I would say like every week or two um yeah it becomes like I think it's like less than ten dollars a wash and like this is like a good wash and it includes the vacuum so like when you're like it's like a self-drive through like no touch like car wash thing dries your car you drive out and it has the free air gun and it has the free vacuum so you can vacuum to your heart's content and I love that um but I really need the massage gun for that you can borrow mine thank you but I don't know if you want me putting it on the carpet of my car after my dog's been in it. We have a few in our house because I'm dating a physio,

so maybe we just have one can become the designated car massager. The car massager. And, Bec, what have you got? So this is something I noticed the other day. It was like, well, it wasn't the other day, but it was Community Cup time. You guys know Community Cup? I don't.

It's a big thing in Melbourne. Wow, okay. Clearly not big enough for us to have heard about it. We do live under a rock, though. You are a much more social being than both Jess and I combined. It was so cold. it's it's overwhelming there's people everywhere and everyone you've ever met will be at this place I mean it was in Abbotsford it's the first time I'd gone so I don't know if it's always in Abbotsford

but I popped in because I was gonna uber there didn't want to park I popped in the address for the park I said Victoria Park or whatever and then the uber was like $20 I was like oh and then I instead I I zoomed all the way in and I put an address that is across the road yeah 11 Lulee street or whatever. Yeah. $14. No way. So I feel like, and I haven't fact checked this, but I feel like. No, but that makes sense. If it's an event or if it's a location like MCG or something like that, then it will automatically. It does. It's like when you go to the airport. Yes. Like the airport tax. So if you put like, I don't know what addresses around the airport, but you know, just give it a go. I think if you're going to an event, if you're going to a concert or something,

don't put the concert location, don't put the arena or whatever, put the exact address across the street or just an address close by that you're happy to walk from they're happy to walk from or even the address of the stadium I haven't tried that before no I reckon that wouldn't work maybe not surely it would be associated because I feel like whenever I put an address in it'll like autocorrect to the like location name yeah true true true true I like your tip though that is very clever thank you thank you so much that's very smart that's mine I love that I feel like that is very good all right let's go to a really quick break because on the flip side I'm actually really excited about this. Our first question, I'm excited about this, but like the second part,

juicy. But anyway, the first one is our money dilemma, which is all about managing money from a side hustle, which I think is going to be really helpful. But the juicy one, you guys slid into our DMs and you want to know whether your choice of partner is actually one of the biggest financial decisions you'll ever make. Oh, I don't think people are ready for that conversation. Anyway, we'll see you right after the break. Welcome back, everybody. Let's take a listen to this week's Money Dilemma. Hi there. Have you got a money dilemma you just can't solve? The She's on the Money team is here to help. Every week we tackle your dilemmas, both big and small, to answer your most burning money, career and life questions. To get involved, simply head

to our website and leave us a short voice recording and you might just find yourself on the show. Now let's take a listen to this week's Money Dilemma. I just have a question. I have a day job, but I also have a side hustle and I have both streams of income coming into the same account at this point. Separate accounts within my bank, So they are separated, but I don't have a different bank. My savings from my day job go into a separate micro-investing app, which I use called Blossom. But the savings or the earnings I make from my business, I just don't know what to do with them. So they're just sitting in the account that's holding them. So I've got a couple of thousand dollars and they're just

sitting there and they're not earning any interest they're not doing anything but I'm really hesitant to put them in the same pool as my personal savings for some reason I feel like they should be separate thing and I don't want to start something that isn't correct and isn't going to help me out tax-wise as well but I just don't know what to do or who to ask around business questions so if you could provide some light that would be amazing thank you so much well girl you've come to the right place and I mean I'm not gonna ask the two of you what I would do because I think or what you should do keep it separate I'm sorry if you have a side hustle separate bank account I don't want to see it going into your like go and register it as well

like set it up as a separate business bank account because it's messy like let's say you're stupidly successful you're making your personal life harder you're making your taxes harder like you don't know when you need to pay tax on your side hustle income and like Beck this is at you specifically because guys what's your business little shout out Beck has decided to go all in on her business recently and you've set up a whole website you spent $14 on a domain and that is putting your money where your mouth is what is the domain um designed by becku.com.au I'm obsessed and like I have commissioned a piece have I actually commissioned a piece because I didn't pay for it I use it you gifted a piece I said oh my god I've always wanted okay you're gonna love this

I've always wanted one of those um spoon rests yes that is actually a ravioli oh I've seen those they are very cute yeah so Beck made me one it's pink and it lives on my shelf and I love her but very cute stuff anyway we'll put the link in the show notes because like girls supporting girls um anyway get a separate bank account Beck if you don't have a separate bank account for the money that you're making from your pottery? Canceled. Like, no, you're going to go get a separate bank account. You don't have to go and set up as a business. You can still be a sole trader, but have it be separate so that you can track the income coming in and the income going out. It's going to make tax time easier. It's going to make literally everything easier.

You can also track how much money of your personal money needs to go in there, right? Because Bec, I can almost guarantee like you're purchasing clay, paints, glazes with your personal income, right so transfer that money like go all right well I'm going to go down to Eckhart's or whatever it is the craft store and purchase clay you can track how much you've transferred to that account and see how much has been going in versus coming out and then all the profits go into that and it's just it's going to be clean right idea it's going to be clean yeah yeah do you have any other tips for small business when it comes to the banking side of things well personally I just started so this question does come at a really good time so thank you very much um i mean i don't know if this

is the same situation but i use i'm using stripe which i think is like is that right yeah we use stripe oh you use stripe yeah oh my god it's a payment system it's a payment okay that's so comforting so it's like i i don't know what this is text me ask me oh my god true i don't know why i'm not doing that you literally know and it's not even that i know it's that like i was born to yap yeah and like also research so if i don't know girl you best believe i'm gonna find out um so that but that's not the same hey because i can see what's coming in i can't see what's going out obviously because that's more of my bank account but that that is helpful for incoming but you're saying like get a whole new bank account for this particular side hustle understood

understood okay that's good to know and then just like name it yeah like your business name so that everything is just really clean really fresh easy because at one point it's going to tip over being a hobby and like a tiny side hustle to being something that you need to pay tax on and hopefully at some point you're going to need to pay GST on and you know really scale it but you don't want to have that be mixed up with your personal income and other jobs that you're doing on the side to pass time or you know put money and food on the table right totally like just keep it separate right totally also interesting side note Bec while we were listening to that you guys probably didn't hear in perfect synchronicity Jess and I made the sound

when our listener question mentioned the blossom app I was curious about that you were like why are you too big now Jess we've had some conversations historically on air and off air about blossom app is the app badge no is the app legitimate yes is some of the marketing misleading yes is how i feel now blossom app is an app and our money diarist or sorry not even our money diarist our listener question literally said i'm using it to invest iconic you are using it to invest but if we go to the website and i'm on the website right now jess and beck and i feel like this would get back like in the nicest possible way because no no because you just take people for their word I'm already and you already like and I it's not because you're silly it's just

because you are an average consumer well and the listener said that they're putting their savings in blossom as well which is very relevant yeah so like have you heard of blossom app I haven't let me read you the marketing and you can tell me what it is okay right so blossom where your savings go to grow. You can get between a 5.45 and 6.5 per annum targeted return. Join thousands of Australians who have discovered a new, healthier way to save. Your money, your way. No account fees, healthy returns. You're doing well. Their product is called Blossom Save and it gives you freedom and flexibility whilst you save. What is this product? I would say it's a very high interest savings account no no and that's where jess and i are probably not that comfortable with it it is

an investment it is an investment platform and they invest your money for long-term returns that's why they can target such high 5.45 and 6.5 percent return right now in this current economy a savings account is not going to get you that so you might look at it and be like far out like that's why and i mean it in the nicest possible way and i know people have messaged me before and they've been like why do you say things like that why are you mean to beck i'm not mean to beck no that is my normal consumer she is my friend i think she is so smart but like i just know you'd read this and like but but you and i both know you're never going to read the pds you don't scroll to the bottom and click the pds i do and it's an investment platform it's also targeted

returns it's not guaranteed so they can say yeah we're aiming for that but it if they return is less there's as far as i know no accountability they are an investment fund and like if you go into the pds it says the target rate of the annual return from investments retained in the fund is not guaranteed and no assurance is given that the target rate will be achieved for any time the investment is held in the fund because i'm targeting 200 returns but i think if we then use the average consumer's experience right and go your experience with savings accounts is that if they say they return three percent they return three percent right so when you were read out all of this marketing and I said where your savings go to grow and you're going to get 4.45 I think

you skimmed over the word targeted didn't you I did I thought targeted maybe is like they're purposely doing something yep and then that's yeah and then I doubled down and I gave you the next line literally scrolling on the homepage which says join thousands of Aussies who have discovered a new healthier way to save yeah I'm sorry that is not saving if you are investing your money and there is risk involved I am so fine with your platform like there is not anything wrong structurally your money's not at more risk than any other type of investing platform but call a sticker stick yeah yeah I don't like that well because I think yeah listening to our listeners voicemail, they even said, you know, my savings are in this platform. And it kind of

makes me go, well, do you, you know, typically we say, don't invest your savings if you plan on having access to them anytime soon. And we don't have the semantics of what her plans are, but I think the language can be very confusing. And as you said, like it's something, they've changed it. You know, it's been a few years that this platform has been around. I've spoken to their owner I've spoken to their founder I've had these conversations they've invited me to Sydney to have conversations with them and I basically said like so happy to continue the conversation but anything that you say surely can be put on paper for me to understand like surely you can put it in an email and articulate yourself in a way that makes sense because if you can't to me that doesn't feel right

and so I don't know I just I think when you look at the like risk return like chart and we're looking at different investment options. There's like, you know, savings accounts and then there's bonds. This is more risky than both of those things. Yes, it's not the same risk that you carry as putting your money into the Australian Stock Exchange. It's slightly less. But I think that they're trying to align with their marketing to being a savings account, which if you as a consumer are like, oh, I don't want to invest, Jess. I'm too like, I'm a bit adverse for that. oh I don't know about a bond but then you see this marketing you might go oh well that's for me because it's where your savings go to grow and the language is comforting and I think that that

I feel like they're doing everything right from a compliance perspective in terms of their actual product but when it comes to the marketing I just go I'm sorry this is why the investment industry is so confusing that is why so many people are like wait that's an investment but this isn't misleading. Yeah. Like if you want a good high interest savings account, I wrote a whole blog on it. Check it out. Check it out. I'll put all of the good links in the show notes for our most recent savings account thing. Cause like, I think every six months or so I do a blog or the team actually all put together a blog on the best high interest savings accounts in Australia so that you guys can do it without any like hoops or anything to jump through. Cause you know how

sometimes there's like minimum deposits or whatever. Anyway, none of that. I could go on on but I just think you guys deserve transparency and maybe potentially allegedly that company's not giving you that um and that just doesn't sit right with me there you go anyway we already don't dance a little bit into the juice that's a little bit of the tea but do you want more tea absolutely all right so this week we had a listener dm and you know what a little bit more juicy than what we're just talking about ready okay hi she's on the money I keep seeing money influencers say your partner is the biggest financial decision you'll ever make but I didn't even think about that at all when I fell in love. Emotionally the relationship is solid but financially we are not

on the same page and the more I notice it the harder it is to unsee. I listen to the money diaries so I know people can change but lately I've been wondering if this is something I should take more seriously. Then I feel really guilty like am I being too shallow or too focused on money I wasn't like this before but now I don't know if I'm overthinking or finally waking up what would you do oh this is tugging at my heartstrings because as the I mean they didn't say this person didn't say but I can only assume that they're the they're the more responsible one with money and their partner might not be and I am the partner that is not my girlfriend Jess is very unhappy that I quit my job um for a four-week opportunity and I don't know why that's crazy

It's crazy. She's crazy. I'm just kidding. No, that's very, very valid. But I think that before her, I've always been a little bit like risk taking. I don't care if I'm living paycheck to paycheck. I don't care if I'm broke. I honestly don't mind. And so I feel like maybe depending on where your partner is coming from and how they've lived before, and if they always get back on their feet, and if they don't rely on other people around them, then at this moment, totally fine. I think that, so I can like, I can totally understand it. Some people don't work in this way where they're thinking about money and they're thinking about savings and they have this intrinsic, like just motivation to, to save for a future. Some people just do

not have that. I do not have that. I can't be taught to have that in me. I can't, I will just do it because I have to. Lord knows I've tried. Exactly. Like I've been eating for like three years now like I just and and like you know and I know I think that that's what's kind of so cool about she's on the money side step is that like you are so different to Jess and I and it's not a negative or positive it's just who you are and like that's a cool thing but we've got so many diverse people in our community some might be like Jess and literally stockpile every cent someone be a little bit more like me who I take risky decisions but I'm also relatively financially like stable when I make those decisions I'm always calculating everything and then there

might be people like you Beck and I don't want people to think that there's only one way to manage finance yeah totally as long as you are educated and have the knowledge and the tools and the resources and I've given it to you on a silver platter I don't care how you use them like yes in a perfect world I'd love Beck to budget oh my god like my life would be made but at the end of the day you're an adult and I respect your decisions because you're an adult but like I think that everybody deserves access to those tools and if you didn't have access and you're in a really shitty financial position because you hadn't been given an education that's not fair yes but now you're making decisions you're like well I know I could do this or that you've made

the decision that's right for you not the decision that's right for society totally totally I completely agree and so I guess in saying that right now it comes down to if your partner is I guess in any it doesn't even matter if it's finances or anything like if you're dating someone who never cooks never cleans never does any like holds any of the mental load I feel like it's not the exact same but it feels like if your partner is not willing to change to help you and your future together regardless of what it is maybe they hate cleaning but they just have to do it maybe they hate saving or they just don't know how to do it but they just have to do it it's like that's a completely different situation their relationship with money because i'm on the

other end i understand that some people just don't have that don't live like that but i will commit to saving for a future with my partner because that's what's in the cards and so I feel like that's probably more the conversation and if your partner is willing to just do it even if they hate it to also give them some objective something to work with something tangible be like if we save this amount this is what our future will look like because otherwise it's just invisible it's just like there's no motivation to do that but anyway so I think that's probably the conversation I would be thinking about if that makes sense what do you reckon jess i think the saying you know your partner is the biggest financial decision or whatever it is it comes from i guess that it

that concept of like you're the sum of the people you spend the most time with i think it's like the seven people closest to you kind of form your core personality traits or something like that there's some psychological study i think because your partner assuming you know a traditional relationship where you eventually are building towards a life together they're the person you spend the most time with. Your life is so interlinked with them in terms of your finances. If you choose to have children or maybe own property or save towards other important goals for you guys, your lives are so intertwined that their take on money has a really significant impact on you regardless of how you each manage it. And so I think that concept is kind of

reflecting on the fact that it can maybe cause friction, I think, in your relationship if you have two people, particularly if someone isn't willing to do as you are, Bec, you know, you've said, you know, I acknowledge that I'm not great with money, but I will work towards goals because that's what my relationship needs to progress forward. Not everybody is able to draw that line in a sand, I suppose, and make that decision. I think at the same time as well, if someone doesn't match your energy, if you're the person who is, let's say, more aspirational, if you have high savings goals or if you have big goals for your life in general even outside of money if your energy isn't being matched by your partner it can sometimes take the wind out of your sails a little

bit and hold you back because you're maybe working to accommodate them or and that's not a bad thing like compromise is important in any relationship but at the same time I think like you also need to acknowledge that you know if two people go okay well regardless of how good we are with money or what we want to do we're going to find a way to make our dreams work like that is very powerful as opposed to maybe one person being like oh I want to do this I want to do that and the other person being like oh it'd be nice but we can never do it like it's almost like psychological beyond just the actual financial stuff do but I feel like you're going to explain that a lot better than me because I feel like I would no you're not you're not wrong I mean if I look at my situation

my husband and I got together and when we were just dating we're both in personal debt we both had personal loans we both weren't good at money and we have learned together what that means and what our values are and I'm just I would say very lucky to have obviously met someone I've fallen in love with madly want all these babies 10 out of 10 but also somebody who has the same values and goals and like I guess lifestyle aspirations that I have because that could have been really hard and I'm not in that position but I mean if you take a really big step back the idea of marrying for love is actually really modern. If we look at history, we actually married for money. We married, I guess, more specifically for survival. We married for status. We married for strategic

advantage. Families negotiated marriages based on what they could get out of it. Is that little women? Yeah, little women. What is it? You can't tell me marriage is not an economic proposition? Exactly. It absolutely is. And I mean, for much of history, marriage was less about romance and more about alliances between families and safely transferring wealth and securing land or you know ensuring a social standing or social status and like that's just the logic of it like romance is a privilege love was a bonus but not a requirement and I think if we go back to that I'm not saying that that's a good idea that was all about survival now sorry we're staunch feminists I can go get my own job and I can choose to marry for love and then it

does come into it because you're right somebody could take the wind out of your sails if they're not in the same situation as you and I think I mean to be really brutal yes in many ways marrying for your choice of partner is the biggest financial decision you'll make and I saw a TikTok the other day I feel like all I do is talk about TikTok and a woman said oh girl all men will disappoint you just marry for money because at least you'll be happy with whatever outcome happens. And I'm not saying that's a good idea because a man is not a financial plan, but literally the person that you marry affects everything from how you manage money day to day to how you plan for your lifetime goals, for how you go on holidays, for how you plan on raising

kids and buying a home. And like, what does retirement look like? And having a partner that shares your values and is able to communicate openly and honestly with you and respects your financial boundaries, I think can help you build a secure financial future. So maybe I'm a little bit more savage maybe I've just unfortunately seen one too many divorces come through my financial advice doors when I was an advisor that I am quite negative about marriage am I married yes am I in love with my husband absolutely yes am I lucky that we're on the same financial page yes but I think that constantly fighting about money and constantly feeling alone in that that's not worth it yeah like because if you don't feel like you're supported I'm sorry it's no longer

about finances anymore if you don't feel supported full stop you're in a marriage that's not going to work yeah it's like the finance is almost just a small element of love is so important love is like to me it is so important but so is financial compatibility and I just I'm sorry I'm so negative about that and they're going to be people who go it doesn't matter like I would work my life away for my partner amazing you're actually financially compatible yeah that's exactly like you right the example beck was giving yeah so like financial compatibility doesn't mean 50 50 yeah that's not what the default is financial compatibility means you're both happy with what you contribute and you're both happy with how that works and what that looks like and the lifestyle you achieve

from that yeah but if you're not on the same page i just don't see how it's gonna work out long term sorry bye what did everybody else say okay so the rest of the community oh juicy so we did ask a few questions first first we said do you think who you choose as a partner is your biggest financial decision. Surprisingly, 28% of you said yes. Interesting. 69% of you said it's just one piece of the puzzle and 3% said money is separate. Then we asked, can a relationship work if you're on different pages financially? 72% of you said it can, but it is very hard work. 17% of you said it's a time bomb. 7% of you said yes, love is the most important part and 4% said no, red flag. interesting very interesting and then I asked the community I said girl what's your two cents

and did you have four cents first person said give it time and see if you can get on the same page before making any big financial decisions next person said you don't want to be the one with money ready for a holiday with someone who can't go anywhere next person said communication and education that is what I have learned from she's on the money and I love explaining what I've learned from she's on the money to my partner oh how many times does this come back down to it's communication genuinely um next person said you can have different mindsets but if you can't talk about it like mature adults red flag emoji that's a big one the communication like the level of communication yeah 100 next person said I ended a marriage after only four months due to different

financial pages it was a time bomb waiting to burst next person said I have separate accounts the line with my goals as does my partner as we don't always agree on the financial side of things interesting next person and this is the last one that I'm going to share said dating in 2025 is cooked keep them if they are a good egg I mean it's tough out there from what I've heard from the girls so that's also like it is tough but I do think being on the same financial page is going to reduce friction in your relationship yeah like and I'm just all about not having a friction relationship like it's some people are meant to be some people aren't and that's fine i don't know up i think would you rather cry in a corolla or a lamborghini i don't know

just the last thing i want to say is that um do be mindful that some people have like really like you know this privilege thing like some people didn't grow up with much money and it's like it can be very anxiety inducing chat to have and and and also so that's something you don't really have but you can be on the same page financially with someone who has no money that's so true you can be on the same page with somebody it doesn't mean that you have millions like we're not talking about needing to become a millionaire family we're just talking about are you spending in line with your goals and values are you achieving the life that you want because like can you imagine beck if your partner was like well i want you to save every single dollar

because we need to have six million dollars invested by the time we get here and you literally couldn't care less about that and that was all they cared about they just cared about the money like maybe they should go be with someone who makes more money and cares more about money and that would make them happier like totally and that's not the case so like no to be on the same page financially with someone doesn't mean you even need to have a dollar in fact my husband and i both started in debt and we're still on the same page yeah and that's okay anyway it's okay i think that's all we've got time for today my babies yes i think so it's gorgeous place to leave it yeah see you on monday for money diaries and have a good weekend bye bye guys bye

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