The Personal Finance Podcast - The Ultimate Personal Finance Checklist for Newlyweds (and couples)!

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Starting point is 00:01:05 finance checklist for newlyweds. All right. Welcome to the Personal Finance Podcast. I'm your host, Andrew founder of MasterMoney.com. And today on the Personal Finance Podcast, we're going to be talking about the ultimate personal finance checklist for newlyweds. If you have any questions, hit me up on Instagram or TikTok at MasterMoney Co. and follow us on Spotify, Apple Podcasts, or whatever podcast player you love listening to this podcast.

Starting point is 00:01:53 If you want to help out the show, leave a five-star rating and review on Apple Podcasts. So today we are going to be talking about the ultimate personal finance checklist for newlyweds. Because, oh boy, it is wedding season. There's going to be a lot of newlyweds coming out of this wedding season. And what I want to do is I want to start everybody off on the weekend. right foot. So whether you're newly married or you've been married for a while, or you're just looking at living with your partner and sharing finances, this is something that is absolutely imperative for you to keep the relationship strong. There's a ton of statistics out there where

Starting point is 00:02:31 money and the relationships are very correlated in terms of how successful the relationship can be. So what I want to do is help you all protect your relationship by making sure you have a healthy relationship with money. And the stats are actually kind of staggering because if you have an annual income of over $50,000, that can decrease the risk of a divorce by as much as 30% versus those with an income of over $25,000. Obviously, there's a lot of obvious reasons for that. It increases money stress.

Starting point is 00:03:03 A lot of things can happen there. The feeling that one spouse spent money foolishly increased the likelihood of divorce by 45% for both men and women. And couples that argue about financing, at least once per week are 30% more likely to get divorced. And the same study also found that couples with no assets at the beginning of a three-year period are 70% more likely to divorce by the end of that period than couples with $10,000 in assets. That is wild stats.

Starting point is 00:03:32 So these stats are showing you that it is incredibly important to get your finances together as a couple. It's imperative that you care about this stuff together. Now, the first thing I want to talk about is the dynamic. of the relationship. Usually, in a relationship, there was one person that cares a lot more about money than the other person. Now, this is not always the case, but typically this is how it goes, where one person kind of manages the budget, while the other person kind of just follows along, and or vice versa. So you really want to figure out who is going to be that point person, because if you're both trying to manage your money and you're both trying to figure out who's going to pay the

Starting point is 00:04:07 bills or who's going to handle the finances, it's a little more difficult than having a lead person who is actually looking over this stuff all the time, and that's part of their responsibility, is to look over the finances every single month. Now, with this episode, what I want to do is I want to give you guys an actual checklist that you can go through. Utilize this checklist to figure out, hey, let's get our finances worked out

Starting point is 00:04:28 so that as a couple, we can kind of decide what our goals are, what we want to do with our money. How does our money bring us value? Where do we actually want to put our dollars that are going to bring us value so that we can achieve these goals together as a couple. This is one of the most powerful things you can do as a couple

Starting point is 00:04:45 because once you have your money, right, once you have an idea of where you want to put your dollars and once you know what you want to do in life, all of a sudden, it's a team decision to now start pursuing those goals and getting after it. Now, this can be different for every single person. Maybe you want to go out and financially retire in your early 30 so that you can spend more time together.

Starting point is 00:05:05 Maybe you want to start a family, and so you know that's going to cost more money, so you want to get your money right so that you can start a family. Maybe you already have kids and you want to create a better life for them. Or maybe you want to travel the world together. You want to get your dollars together, maybe do some travel hacking so you could travel, go down to Cancun, sip some margaritas, high five, all the locals. There's all kinds of different goals that people have as a couple.

Starting point is 00:05:27 And no matter what your goal is, that's a very specific thing for your personal situation. So what we're going to do here is utilize this checklist so that you can go through and figure out who is going to be the lead person. Who is going to handle the financial side? And we're going to do this together as the team because this is a team effort. So if you're newly married, if you're in a relationship, if you've been married for 50 years and you're just getting your money together, and this is something you're interested in, let's get into it.

Starting point is 00:05:57 So the first thing we're going to talk about is how are you going to handle your money, meaning discussing your individual budgets? Now, one of the most touchy subjects in the personal finance world is should couple, combine their finances or should they keep them separate? Now, I don't really care what you do because I think in either situation, whatever's best for the two of you, whatever's best for your situation, go out and do that. Don't let anybody else tell you what the best way to manage your finances is. Now, what do I do?

Starting point is 00:06:28 If you want to know what I do, me and my wife, do we have our finances combined? The only reason why we do that is just because for me, in my mind, it's way easier to manage my money for me and my personality, then it is to keep them separated because I don't have to figure out who's paying the power bill or who's splitting these bills down the line. But what I'm going to talk about here is I'm going to give you a system on how to divide this up as well. Your boys got you back. He's not going to let you down if you want to keep your finances separate. But what I do is we combine all our money into one. Now, I'll show you how I manage my money and then we'll talk about what to do if you want to separate

Starting point is 00:07:01 your finances. So the way that we do it is we have one checking account, one savings account, and then our brokerage accounts, our Roth IRAs, our retirement accounts are separated because you can get more money into a retirement account if you do it that way. So we have the one checking account. We have one savings account, which is where we keep our cash buffer, just in case we need that money immediately. Then we have an high yield savings account that we share as well. And that high yield savings account houses things like our emergency fund.

Starting point is 00:07:30 It houses things like a rental property cash fund. It houses things like additional dollars. that we're putting to the side, maybe to buy a new vehicle or things like that. So all of that stuff goes into the high-yield savings account for short-term goals. Then every extra dollar that we have gets spread out into investments. And that's how everything is managed. We have a joint checking, joint savings, joint high-yield savings, and then everything else gets automatically deposited into investments.

Starting point is 00:07:56 Now, how do we have our credit cards? Our credit cards are each separated out individually. The reason why we do that is we want to accumulate as many points as possible so that we can travel hack. Now, travel hacking is something we're going to be talking about very soon, and we're considering putting together a course on travel hacking as well. So if you're interested in that course, hit me up on Instagram or TikTok, and we can talk more about that as well,

Starting point is 00:08:18 and we can get your early access to that if we go ahead and create that. So that's how we have it set up. It's very simplistic. Every single bill is automated. Everything we do in our financial life is automated so that we don't have to think about our money as much as everything else in life. We have businesses to run. we have careers to go after we have things we want to do we have little kids that are under the age of five so we simplify everything now if you want to separate your finances which there's nothing wrong with that a lot of financial gurus out there will tell you you should only separate your finances or you should only combine your finances i've seen it on both ends of the spectrum and it's really weird how they try to battle it out who cares what you do as long as it works for you i don't care what you do but making sure it works for you if it's not working and you think someone's hiding money if you have you

Starting point is 00:09:03 your finances separate. If it's causing problems, then you need to figure out a new solution. But if it's not causing problems, then who cares what you do? So here's what you're going to do if you're trying to try to figure out how you divide up your finances. Okay? The first thing you're going to do is figure out what your expenses are every single month. And you're going to divide those expenses up into who's paying what?

Starting point is 00:09:23 Are you going to split it right down the middle? Or is one partner going to be paying the power bill while the other one pays the water bill and one person pays the groceries while the other person pays the mortgage? How are you going to split that up? That's the first thing that you want to do. How are you going to divide expenses? Now, if you are keeping your finances separate, I would advise at least at the beginning

Starting point is 00:09:39 so that you can figure out where your money is going is to have each person has a budget. Because once you start to tally up these expenses, you want to see what that does to your budget. You want to see what the modification is, because if one person is paying thousands of dollars more a month and they're going to have no money left over, that could also cause issues.

Starting point is 00:09:56 So you want to have budgets in place at least for the first few months until you get this thing automated so that you can see, how do these bills impact each individual's budget? Then you want to discuss those increases or decreases and make sure you can figure out a way to make this all work. Then what you want to do is figure out how were these expenses going to be handled?

Starting point is 00:10:18 Who's the point person? Who's the person in charge of the finances that are going to actually pay these bills? You don't want to have late bills because all you're going to do is start pointing fingers at each other if that happens. So who's going to pay these bills? Who's in charge of each bill is one person going to be? going to pay them all? Is each individual person, whoever's paying either or, are they responsible for their own bill? How is this going to work? So you want to make sure that you do that because if you're both on that bill, it's going to impact both of your credits if one of you does not pay

Starting point is 00:10:46 it on time because you think the other person's paying it. So you need to either write this down or have it figured out who is going to handle each one of these bills. This is very important to do. So that is step one, figuring out how your money is going to be handled. Are you going to combine your finances or you're going to separate them? It doesn't matter which one you do, but which one are you going to do? And then who is going to be the person paying each individual bill? And then how are you going to handle that? That's step one.

Starting point is 00:11:10 Now let's jump into step two. Now step two, this is the fun part. This is the part your boy loves. You're going to figure out what your current and future financial goals are. Now, setting financial goals is a lost art for a lot of people. We have a number of different episodes talking about how to set financial goals, but I kind of want to lay this out for you again because in a partnership situation, you both need to be on board with this.

Starting point is 00:11:34 Now, there needs to be some give and take because you might have the exact same goals. If one person wants to live in an RV and travel in retirement, the other person one lives in a mansion in retirement, you're going to have to find some sort of middle ground to make this work. So you've got to figure out what your actual financial goals are. And broadly, these goals may be a number of different things.

Starting point is 00:11:53 Maybe it's, do you need to pay down debt? Well, is that going to be a priority? Do you need to build up your emergency fund? Is that going to be a priority? Do you want to buy a house or a new car? What expenses do you have coming up? Do you want to travel or what hobbies do you have in place? You've got to figure out how are you going to share these financial goals?

Starting point is 00:12:10 So here's how to do this. Grab yourself a sheet of paper or pull up a Google Doc or get out the old iPad and the Apple Pencil and get yourself ready to write down a list. And you're going to list down all of your current goals in order of priority. So if you want to, throw all the goals on the sheet of paper and then you're going to prioritize them after that.

Starting point is 00:12:29 So you might have individual accounts. you might have individual things that you want to be doing. But if your goal is financial freedom and a lot of people who listen to this podcast, that is their goal, then that should be at the very top of the list if that's your goal. Because you're never going to achieve it if you don't put a goal in a plan in place on how you're actually going to achieve. You're going to be working for 30 years if you don't put it as a priority. Now, as you go through this, some of these goals you're going to have to understand might

Starting point is 00:12:52 need to be adjusted a little bit as time goes on. You're not going to nail this the first time. So say, for example, you need a three-month emergency fund and you get to the three-month month emergency fund and neither one of you are comfortable with that amount of money. Well then potentially you need to tweak it out to six months so that you feel more comfortable, reduce that financial stress. So once those goals are in place and you're starting to save up for these goals, you're starting to put your dollars towards these goals, then what you want to do if your finances are separated, check each budget to make sure you're on track or if they're

Starting point is 00:13:21 together, check your budget that is combined to make sure that you can understand are you actually reaching these goals? Do you have some extra cash left over and are you having fun in life because a lot of people when they first start out, they aggressively try to get after their goals and they take all the fun out of their life. Money is here to bring you value. Your dollars are here to increase your happiness and bring more value into your life. And if you're not doing that with your dollars at least somewhat, then you need to reevaluate how your goals are set up. Now one thing my wife and I do, we've talked about this one other time before, is that we have what we call blow funds. And the blow funds are each of us allocates a certain

Starting point is 00:13:57 amount of dollars every single month and no questions asked, we can blow that money on whatever we want. So that's a really good way to make sure that everybody is still enjoying life and being able to do what they want. Maybe those dollars can go to their hobbies or you can go whatever you want to do with that money. But that's a great way to make sure that everybody is enjoying their life and enjoying their money. Now, the way to hit these goals is to automate these goals. And one of my favorite new tools that we've been looking at lately is Ally Bank has something called savings buckets. So they have a high-yield savings account at Ally Bank, and they have these things called savings buckets. So all you have to do is have one high-yield savings account, and you can actually

Starting point is 00:14:35 separate by savings goal inside of that one account how much money you want to save for each thing. So for example, if you want to save for a rental property, then you can have a rental property bucket. If you want to save for an emergency fund, you can have an emergency fund bucket. This is all in one account. If you want to save to buy a new car, you can have a new car fund bucket. And it makes it really easy to compartmentalize all of your savings goals in one place so everybody can see what's going on. So that's one fantastic way to do it if you have a bunch of savings goals so that you can make sure that you're aligning with each other's goals. But the key here is, and this is something we talk about in this podcast all the time, but the key here is you want to make

Starting point is 00:15:14 sure that your goals are also aligning with your future self. You want to make sure that you're putting dollars every single month towards your future self. So how much? How much? should you be saving? Well, we talk about at least saving 20% of your income at the beginning and increase that amount over time, trying to get the 25, 30% of your income as time goes on so that you can really start to accelerate your path to wealth. Because every extra dollar that you put into investment means that you can retire that much sooner. And I know most of our goals is to achieve financial freedom. So come together, figure out how much of your income you can save so that you can take your retirement to that next level. Now let's jump into the

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Starting point is 00:19:03 So we just started dreaming, think about what goals we want to achieve, what we want to do. We started to put that plan into place. But now we're going to check over all the other stuff to get our ducks in a row. So you want to check over your insurances, you want to check over your beneficiaries, your tax status, all that type of stuff. So the first thing you want to do is talk about insurances. So maybe you want to talk about life insurance. first. So each of you now in a relationship, you have someone who depends on your income most likely. And anytime you have somebody who depends on your income, you want to at least consider term life

Starting point is 00:19:35 insurance. It's very low cost, especially if you're young. It's 20 to 30 bucks a month and you can get a really nice policy. And with term life insurance, all that does is it covers you for a specific term. So if you get a 30 year term policy, you have that life insurance for those 30 years. And then by the time that 30 years is up, usually most people have a nest egg and a retirement nest egg so that that they don't need that life insurance policy in place anymore. So anybody who has beneficiaries, whether it's children, an aging parent or a spouse, you definitely want to have at least term life insurance, which is really low cost. That's why we talk about term life insurance the most, it's the lowest cost. If your financial advisor is trying to sell you universal life or something

Starting point is 00:20:14 else along those lines, you've got yourself an insurance and salesman, not a financial advisor. We'll do an episode on that. Trust me, because this is one thing that we are going to be back on. There's way too many financial advisors and I'm putting quotes up with my fingers right now who are trying to prey on people and sell them universal life policies that really all those do is take away all of their money and fees. And it's one of the saddest things I'm seeing right now. There's people on TikTok with two million followers making so many people believe this stuff. And so we'll do an episode on that. Don't worry. So after you look at do you need life insurance, maybe you want to look at your health insurance as well and where you stand on that, because if you do a high deductible

Starting point is 00:20:52 plan. You can get an HSA and you know how much your boy loves a health savings account. So that's one option as well. But go through some of your insurances. If you need to bump up your health insurance because there's two of you now or if one person has way better health insurance at their company than the other person does, then look into that stuff as well. But that's the next thing on the list that you want to check through. Then while you're doing this, you want to make sure you're naming your beneficiary. So your brokerage account, your IRAs, your retirement accounts, your bank accounts, all that stuff needs to have a beneficiary. Meaning who is going to get that money if anything happens to you. And typically, your other half is the person who gets that money. So making sure that

Starting point is 00:21:27 you are now putting those things in place so that if anything happens to you, you can have that money in your retirement accounts going to the right person. The next thing, let's talk about taxes. You want to talk to a tax specialist or an accountant to figure out how you want to file your taxes. A lot of people do this the wrong way when they first get married because when you get married, your taxes need to be filed in a different way because you are much better off if you file them in a different way than you would as an individual.

Starting point is 00:21:54 So make sure you're talking to a tax specialist so that you can figure out the exact way that you should be filing your taxes. And if you need an accountant, then go ahead and get an accountant so that you can start and get the ball rolling. Preferably, it's much better to do this outside of tax season. So if you are listening to this podcast right now

Starting point is 00:22:11 at the time of recording this, then you definitely want to make sure that you start talking to an accountant now so that you're not in their busy season and you can really get the best advice out of them. And the next thing you want to do is if you don't have a will, you want to consider drafting up at least a simple will so that everything in your possession is going to the people that you wanted to go to.

Starting point is 00:22:31 Because not having a will just makes it so much harder for all of your loved ones to get everything in order that you left behind. So making sure that you have a will in place, you can talk to an attorney, you can go online. There's places where you can actually build a will online, but just have something in place early on. and then if you want to get more extravagant with it as you start to build up assets,

Starting point is 00:22:51 then you can do that. Now, if you have a lot of assets already in place, if you have a lot of properties, if you have a house that you own together, if there's a lot of things going on here, then you need to have a will and you need to talk to somebody who knows what they're doing.

Starting point is 00:23:02 But if you're just starting out in life, maybe you just have one or two retirement accounts, a brokerage account, and you're checking and savings account, then that's a place where you can get a much more simple will. But as time goes on, as your assets build up

Starting point is 00:23:14 and you get your first 100K, all that kind of stuff, then you want to start to start move on to the next steps and getting a better will. So that's something to definitely consider as a next step as well. Now let's get into number four. All right, so in number four, this is one that could surprise a lot of people. So what you're going to do is you want to share your assets and liabilities

Starting point is 00:23:33 because you want to find out what your net worth is. Your net worth is your financial scorecard. So it's your assets minus your liabilities. And you want to figure out how much money do you have left over? So you take all of your assets, all of your bank accounts, your brokerage accounts, Some people add their cars in. I don't go that far, but you can definitely do that because your car is an asset. It's worth something out of how much equity you have in your home,

Starting point is 00:23:55 all of these different things to figure out what your net worth is. And then you subtract it by your debts or any other liabilities that you have. So with a lot of people, sometimes when they start doing this, surprises come into play. Now, I understand this how shocking can be. If you're recently married and you didn't know that somebody had a bunch of debt and you get into this conversation and they say they have a ton of debt, that can be shocking.

Starting point is 00:24:17 that can be tough because now you have a new responsibility that you have to start working to pay down and getting rid of. I understand how shocking that can be. But at the same time, you married this person and wanted to spend your life with this person. So you have to have a forgiving outlook when you do this. Now, I know this is frustrating, but it's also something that you can come together as a team and put a plan into place. So as you get to this step and as you start talking through this stuff, your current goals may change because one person may just not understand that debt is a pants on fire emergency, especially if it's high interest debt.

Starting point is 00:24:48 Now, if it's low interest debt, it's something you can pay off gradually over time. But if you have high interest debt, anything above 5% to 6% is high interest debt in our book here, then you want to make sure that you're working towards paying that down. Now, a lot of times this is either high interest student loans. It could be credit card debt. Most credit card debt is very high, and you want to get rid of that as fast as you possibly can. And then figuring out where you want to be. So once you do this, once you figure out where you land,

Starting point is 00:25:14 then you can figure out where your net worth is, okay? Once you have your net worth in play and you figure out what your assets and your liabilities are, now we can figure out your fire number. And your fire number is something that is incredibly powerful once you know this number. I'm going to explain really quick on how to get your fire number so that you understand this is how much money I need to retire.

Starting point is 00:25:35 Now, there's something called the 4% rule, meaning you could draw down 4% every single year in retirement and be able to preserve your wealth throughout retirement. So for easy math, every million dollars that you save up in your retirement, you can draw down $40,000. So how much do you need to retire is what you want to figure out? So say, for example, you need $80,000 per year in retirement. So you take that $80,000 per year, and you multiply that by $25. So that number is going to come out to $2 million. And so that's how much money you would need to retire if you had that in place. So when you figure out what your assets and

Starting point is 00:26:09 liabilities are, you can figure out how much dollars you as a couple already have invested. Now you can figure out, well, how much farther do we need to get to that $2 million mark so that we can retire? This is a very powerful place to be in understanding this early on in your relationship is something where you could come together and unify so that you can get to that $2 million goal as fast you possibly can. And then the last step, number five, is you want to schedule a time every single month to discuss your money. Now, a cool way to do this is call it a money date. put it on the calendar, pop open a bottle of wine or whatever else you like to do, open up some sour patch kids, that's what I like, and make it fun. Make this something that's enjoyable.

Starting point is 00:26:48 It doesn't have to be a really long thing. You can be 15 minutes every month, but you look at your finances, you look at your budgets, you look at where your money stands, and say, hey, are we on track right now? Are we happy with what we've been doing for the last month? If you're not happy with it, make the adjustments together in that 15 minute meeting. If you are happy with it, then play on because this is something that it doesn't have to be long, it doesn't have to be something that's annoying, you just go through this and talk it through. This way, meeting monthly, it's not building up over time,

Starting point is 00:27:16 you're not getting frustrated with each other if something's not going right. You can start to talk through some stuff and discuss the ideas that you have so that you can get all of this worked out. And on the checklist, which I will link up in the show notes below, we will have some questions that you can talk through and ask when you have this meeting

Starting point is 00:27:30 so that you're not just like, oh, what do you want to talk about today? So that's one of the thing that we'll have on that checklist as well so that you can make sure that you both are on track when you're talking through these goals. Because you don't understand how important this 15 minute meeting is. It's going to actually help you talk through these ideas, talk through any issues that you have so that everything is smooth sailing throughout the month. Now sometimes maybe you're going to come to a disagreement, but you want to make sure that you are doing this in a way where nobody's

Starting point is 00:27:56 blaming the other person, but you're coming together as a team so that you can figure out what the next step is with your money so that you can pursue financial freedom. Because that is the goal for everybody here. That's what we all want to do. So we want to make sure that everything is in place properly so that we can do that together as a team. Listen, I hope you guys learned a ton about some of the steps that you need to take in order to make sure that you have a successful marriage financially. And make sure you grab the checklist in the show notes so that you can navigate this even easier. If you have any questions, hit me up on Instagram at Master Money Co. And follow us on Spotify, Apple Podcast, or whatever podcast player, you love us into this podcast.

Starting point is 00:28:34 and I can't thank you guys enough for leaving those five-star rating and reviews on Apple Podcasts and Spotify. And as always, I appreciate every single one of you. Keep creating wealth. And we'll see you on the next episode. Rosen lasagna, medium power, 15 minutes. Sounds like Ojo time. Let's play. Feel the fun with Play-Ojo.

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The Personal Finance Podcast - The Ultimate Personal Finance Checklist for Newlyweds (and couples)!

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