It’s Time to Manage Your Finances
2023-06-04 00:35:25
The most-listened to podcast by women. Alex Cooper’s Call Her Daddy has been creating conversation since 2018. Cooper cuts through the BS with topics and guests - asking the burning questions you want the answers to. There will be laughter, there will be tears. There will be everything in between. New episodes drop on Wednesday and Sunday. Want more? Join the Daddy Gang @callherdaddy
What is up Daddy Gang? It is your founding father, Alex Cooper, with Call her Daddy.
Haley Sachs, aka Mrs Dow Jones, welcome to call her daddy.
Thank you so much for having me.
Daddy gang, listen up, okay. Dow Jones is a zillennial finance expert and makes all things money-related easier to understand through her content. And listen, I have never really spoken about how to manage your finances on call. Her daddy. Because, you know, we were talking about sucking and fucking and doing all the things before, and now that we have progressed. Daddy gang, I'm like, you know what?
This is a full-stop shop. I want to help you with anything and everything I can, especially through connections in the industry. I'm like, Dow Jones is coming on. And we're going to discuss things that you should know about money, but that things that you were probably never taught.
So Dow, let's talk for a second, my Dow girl.
I love it.
Is it normal to be stressed about our finances in our 20s and our 30s?
Alex It is normal to be stressed about your finances in your 40s and in your 50s. Like we are never taught about this in school, most of our parents don't teach us, so how could you not be stressed? It's so confusing and we have no playbook.
Yeah, I agree with you. And I think we really get stressed. Because with things that we were never taught, why would we know anything about it? why would we feel comfortable about it? So, I want to know from you because you're obviously the expert online, but did you always have it together? Talk to me about your spending habits when you were in your early 20s.
What was going on?
So I feel like I am you, I feel you. I was in my 20s and I had no clue what was going on, and I just felt like an idiot. And I felt really stupid that I didn't understand my finances and so I avoided them at all costs and spent so recklessly, had no interest in earning or saving for retirement.
I was like, Girl, you want to get no food for breakfast? Let's do this, let's get a spray tan before we go to Barry's. Every time I left my apartment, it was like another $100 down the drain and I could not afford that.
I love the honesty, too. Because I remember when I got out of college, I was really making no money and then my first job, just living in New York City. It was really difficult. I got my big first job, I was making $40,000 and I felt on top of the world. And then after I paid rent, which my rent was, I'm pretty sure I live with three girls and my rent was $1,200..
And I was like, that's more than my paycheck. How do I survive, what do I do? And it was really difficult to manage living and being happy, but then also trying to, like, actually....
I was like, How do I even save? I can't save, There's nothing that I can save because I don't even have enough money to pay my rent. So I just want you guys to know that Dow Jones and I are sitting here being like. We were also in a place at one point where we were either overspending or just at a loss. And stressed, What was the moment that you finally took control of your finances and turned it around?
Well, first of all, how crazy is it? We're expected to be financially capable and no one teaches us, and we look at people every time you turn on the news. It's Bill Gates, it's Warren Buffett, it's Oprah Kylie Jenner. These really rich, powerful people, but no one who is successful and good with money was born that way.
We're all born the same, not knowing anything, and we all have to learn we're all starting from zero. So I want Daddy Gang. If you're listening to this, for you to realize that you're not any worse off. You're not less smart than anyone else, you're not less capable than anyone else.
You just have never been taught, and that's what this episode is all about. We're going to give you that foundation.
Yeah, yeah, and I love that, too. Dow Jones Because it's like, when I think back to college or high school, I can imagine all my girlies are like, Babe. I was a fucking marketing major, or I was in finance school, or I was in communications, or I was in health. And it's like, even unless you were in finance, and even still, then specifically taxes and saving.
And what is like, how are you going about saving your money and spending your money? Like? No one taught us that, instead, we're learning about, like, you know, the fucking World Wars, right? Pythagorean theorem.
Exactly so, I think that is a good start to just everyone calm down if you're like. I don't know if I can even listen to this because I haven't even looked at my bank account because I'm too scared and it gives me anxiety. We hear you and we're here for you, so let's talk about your personal journey and then we'll get more into, like, going more specific for Daddy Gang.
What was the moment for you that you were like, OK, I got to get my financial shit together.
OK, so the moment for me was, I got my first full time job when I was 25 because I'd been working in entertainment and I was working at a pilates studio. And I was a babysitter for a kid named Winthrop and I was just like, doing the damn thing in New York City or whatever. But I finally got this full time job and I was so excited. And the first day, they had the audacity to ask me about a 401K and which health care plan I would like to choose. And I politely nodded. Maybe pretended I had to go to the restroom and then went home and tried to learn, and I was like, What is?
I don't. None of this is making sense. So I was really intimidated, but then when I actually looked into it further, I was like, OK, I've only been catfish because this is not that hard to learn. Like, that's what I'm trying to get across is like, the fear and the shame and the anxiety that's real.
We'll deal with that. But the actual meat and potatoes of what you have to do to have a good relationship with money. It's not that complicated. And trust me, if I can do it, you can do it.
I fucking love it because I was in the same position. I remember when I walked into my first real job. And they were like, OK, and like the 401K and like the health care plan. And I literally was just like giving, like a bright smile. And I in my head was like, I have no idea what you're talking about, but I'm going to call my dad after this. And like, it's just, it's embarrassing.
But again, why would it be embarrassing? Daddy gang? We never learned about this. I never had one class that explained any of this to me. Well, today we're going to do it. OK, so now can you break it down for us?
What are the four basic money tips every adult should know but are never taught in?
School OK. So the first tip that I want to give you is the 50-30-20 rule. And what this rule says is that your after tax income is going to be divided into three parts. You're going to spend 50 percent of it on needs, 30 percent on wants, and 20 percent on future you, and this ratio is going to change your damn life. Because most of us, we got our first paychecks and we're just like, here's this money in the bank.
And we have no idea when our friend says, Hey, want to share an apartment if we can afford that or not? We don't know how much we can contribute to our Roth IRA, we don't know how much we can put towards our debt. It's all you know for it, and there's no rules, and so the 50-30-20 rule is going to solve that for you.
These are the guardrails that you're going to use to live your financial life by, and it doesn't matter how much you make. These rules will apply.
That's actually so helpful. I appreciate that because again, we don't everyone can be different, but giving someone especially like right out of college. Like this rule. It can allow you to put on paper like, can you talk us through? Even like a pretty specific, quick example of how to implement this rule for someone.
Yes, say that you're making a thousand dollars a month after taxes, so you're going to put 50, 500 dollars. 50 percent of it towards your needs. So that's going to be your groceries, that's that.
And I'm hoping you're going to, like a trader. Joe's, I'm not talking about like, fancy mustards. And we're getting, like, you know, prepared dishes like this is, we're keeping it. These are just what you need utilities, internet, laundry detergent, rent, the things that you need to survive. Fifty percent.
Five hundred dollars, then we're going to put three hundred dollars towards our wants, thirty percent. So that could be going out with your friends. Sushi manicure.
Balayage, threading. Whatever your poison is, you want to get a lip flip, get a lip flip, that's what the money is for. Do your damn thing.
But it's great because a lot of times when people make a sorry, this is a curse word. Budget When they make a budget, they get so detailed that, Alex, they're like, OK. I'm allowed to spend thirty dollars a month on the movies and it's like, what if you don't want to go to the movies that month? You know what I mean, like, we don't.
We can just have this lump sum and be like, Great, it's July. Here's what I want to spend it on.
That's so helpful, too, I get what you're saying. I remember I used to do that where I really would like have like a certain amount. And most of it. I spent on my hair and it was like all of my like, my wants, like, I would spend on my hair. And then there would be some months where, like, I didn't need to get my hair done.
So then I was like, Oh my God, like, I'm rich, like, what do I want to spend it on? So it's like, I agree with you, like, not being so crazy about what you're actually thinking you're going to spend on. Just have the lump sum. It allows it to be easier for you.
Totally, and then the most. The part that I love the most is that 20 percent which is towards future you. So in this case, that would be two hundred dollars. And here's the thing. Danny Yang The key to growing wealth? It's not about how much you make, it's about how much you keep.
So you could be making fifty thousand dollars a year, or you could be making five hundred thousand dollars a year. But if you don't have money left over at the end of every month to put towards your financial goals, then you're never going to make progress in your financial life. So that 20 percent ratio, in this case, that two hundred dollars, that's what we're going to put towards your financial goals.
What if someone's listening to this right now and is like, Oh my God, Haley? I just looked at the breakdown of how I spend my money and holy shit. I am way off on what you're saying compared to what I should be doing and what I'm currently doing.
I would tell them that I was exactly the same way and that it took me nine months to get my ratios into the 50, 30, 20 ratios. And sometimes you have to make drastic changes. Sometimes you realize, Shoot, I'm spending 70 percent of my income on rent, or, you know, I have zero percent going to future you. And so you have to adjust these things. But the financial journey is one that we're going to be on forever, money is an ongoing relationship.
And so I would just say, take a deep breath, don't rush it. Let's work on making this month better than last month, and we're going to make next month better than this month. And step by step together, we're going to get your ratios to the point that they need.
To be, Yeah, I love that. It's like, Daddy gang, don't stress, you can start today, you can literally start today.
And and if anything, it's exciting to you're going to be able to watch the difference. Once you implement what Dow Jones is talking about, you're going to feel immediately better of, like, Wow, this month was. It will inevitably be better if you start following this rule.
When I started, I was like, I was very confused by this, and so I made something called the Money Book. Which you can put last month's spending into income bank statements. And it breaks down for you what your ratios are as of last month. And then it tells you for next month what the goal is. So, and you can keep using it every month as you get closer and closer.
But it will. You don't have to do the math yourself, all you have to do is put in how much you're making. What your credit card purchases were was it a want, was it a need? And it will tell you exactly what you need to change, and that is on financeschool..com, and we'll give a code at the end of this.
Wait, that's amazing. I agree, because I could see some people being like, I don't want to sit down with a pen and paper and do this. Don't worry, you don't have to, you don't have to. OK, let's talk to us about your second tip.
What is an emergency fund?
OK, so your emergency fund, Alex, is financial Plan B. This is your fuck you money. this is your whoops money. This is the financial safety net. this is your comfort blanket.
This is the money that every person needs in order to leave situations that are not serving them, or situations that surprise us and put us in positions of financial stress. So that could be a car accident. That could be losing your job, that could be being at a toxic job. That could be moving in with a guy who you end up. You know, it ends up being very toxic. With, Oh, no, I need to have a down payment for a new apartment so I can get out of this situation. And a lot of us get stuck because we don't have the funds to move forward. And that's why the first step in your financial journey. The first thing that I want you to do with that 20 percent that we talked about, the 50, 30, 20. Your first financial goal is you're going to save a three month emergency fund, which is three months of bare bones expenses.
And you're going to put it into a high yield savings account, which is like a regular savings account, except it gives you back more money.
I appreciate you bringing this up because I again, I think. When I look back to myself living in New York City. I couldn't even fathom saving. Because I just really was like, living a little bit above my means. Living in New York City. And I wasn't making enough money to really. But all of a sudden, when I started to put even a tiny bit away that I was able to do, then all of a sudden gets exciting. Because you can start to see you're saving. You actually can have a future of not just having to live day by day. Looking at your bank account and trying to figure out, can I pay this month's rent? Because you slowly are chipping away at another fund that you don't see every day, daddy gang.
And then when you need it, like you said, if you lose your job, you can be so much better and in a better position. Than if you're spending that extra 20 percent on your lifestyle. And I think it's like, I get. It's hard, especially in our 20s. We want to have fun, we want to go get drinks, we want to go have.
But it's like, be smart, because for the future, you're in a better position. How much money should be, though, in our emergency fund?
So a starter emergency fund is going to be three months of bare bone expenses. So, you know, that is really just when we talk about those needs and that 50 percent, that's what it should be. We're not budgeting to, like, go to the Bad Bunny concert or buy a new Bottega bag, like we're really just putting money away. For if we're at rock bottom, this will let us survive for three months.
And I'm just going to say it one more time. You put this in a high yield savings account, it will be at a separate place from your regular bank, a separate bank. You're going to open it up because I don't want you to see your emergency fund every single time that you open your banking app. This should be money that you forget about, but gives you peace of mind.
And it will just be growing because you have that high yield, the high yield savings account. But you don't need to see it every day, just know that it's there.
Do you think that if people see it every day, they're more likely to take things out of it?
Yes, I think that we could be like, it's a fashion emergency fund. And so, you know, like there's so many. But you think about it, there's a lot of emergencies like we can really validate a lot.
So I get what you're saying. I remember I had my savings accounts in my same as banking, checking. And like, I remember so many times in New York, I'd be like, I need to dip into savings. And it's like, No, you don't, you don't need to do that to go to Nobu.
Like, you really don't like, you don't like, find a guy that will buy you a fucking dinner.
Okay.
And that's very important, Alex, to also remind people of that, to go on dates and make sure that the man pays. Because there is a way to love, love. And exactly.
Thank you. And also when you're saying, go and get, like, a high yield savings account, like, is that literally can someone walk into a bank? And that's just what they ask for.
No, we're going to talk about this because a lot of times, my audience, the Dow Joneses, which hopefully everyone is in now, they will get very paralyzed at this point. Because it feels like a decision. When you open your high yield savings account, that there's a right or wrong answer to that, it's sort of. The high yield savings accounts are all competing with each other. For your business, so all you have to do is Google Best High Yield Savings Accounts 20 23. And there are websites that will list and rank them for you. And you're just looking for one that is FDIC insured, which means that you know if anything happens to the bank, you're going to get your money back.
And that has no account minimums and no monthly fees, and you don't need this should take 10 minutes to set up, you don't need to overthink it. And then the other thing that I really want you to do is to automate a deposit from your checking account to your high yield savings account every month. Because I don't know about you, but I can't be trusted.
I need AI to do my finances for me, like, Please Jesus, take the wheel, I do not, I like. It needs to be in the cloud.
I if I'm going to reach a financial goal, it's like, you know, someone else, the internet will have to do it for me.
I agree, I think it's so painful, especially like when you're at that point where you're really trying to build your savings. You're also like, Oh, but like, maybe if I don't put it in this month, because, like, I really want to again go to the Fucking Bad Bunny concert. No, you can go and again find a date or watch it online and go another year. But, like, be, do not not put into your savings.
And I agree with you. By doing automated, it allows you to not have to think about it. And it kind of takes you out of being in control of the monthly decision where you commit to it. And it just does it for you and you almost forget about it. And it's like a nice tree at some point when you do need to go into that.
You're good to go because willpower is finite.
Like we all run out of. Like I wake up every day, I'm like, Oh, I'm going to run a marathon, I'm only drinking green juice. Like I'm writing my novel today, I'm going to, like, learn Spanish.
Like, and then by 3 p..m. it's like, Where's the cookie? where's the martini? I need a nap.
So yes, you know, mourning me would definitely be able to put her money in her high yield savings account every month. But it might be after a new me who's in charge of the decision. So we've got to make sure she is not going to ruin our chances of financial freedom.
I love it.
OK, so now on to the third tip What is the 7 percent rule?
OK, so after you save that emergency fund, you've got that three months of bare bones expenses in your high yield savings account. You've automated that. The next thing that you're going to use that 20 percent from from that 50 30 20 rule towards future. You is to pay off your high interest rate debt because it is very expensive to have high interest rate debt when you. And high interest rate debt is any debt that is above 7 percent, so credit cards are usually 15 percent or higher.
If you don't pay back your buy now, pay later, it could sometimes be 30 percent. So we really want to make our next goal paying off that high interest rate debt, that is step two, that is our second financial goal.
Do not pass go, that is it. But if your debt is under 7 percent, that is considered low interest rate debt, and I want you to just continue paying the minimum on it.
How do you even know like, is it set? is it like, what is the interest rate on the debt?
OK, so I have something called a free debt payout planner and what I want everyone to do is to go download it. And you're going on Financeschool.com slash free. And I'm going to need you to log in to all of your debt portals, be it your credit card company, your student loan, whatever it is, and you're going on that portal.
It'll tell you what the interest rate is, the APR, and then it will also tell you the minimum amount that you're going to pay off monthly.
That is the monthly minimum.
And you're going to put it all in that, in that debt payoff planner, and it will organize it from you for you. From highest to lowest interest rate. Because the best way to pay off your debt is by putting your money towards the highest interest rate debt first. A lot of people think, oh, I can put a little bit towards this one and that one and whatever, but it's like, no. Pay the minimum on all of them and start by focusing on the highest one and then we're going to work our way down.
Got it OK, that's so helpful. So, daddy gang, if you're looking at it's like, yes. If you have something that's above the seven percent, you want to get that done faster, or else you're owing more on that. Whereas the lower end one like, you can wait more on that and we can slowly get to that. But it's like, if you have something that's 30 percent interest rate, we got to get, we got, we got to get it done, girls.
OK, girls, we got to get that done. So, student loans are they typically a great example for this rule, or no?
Absolutely well. I mean, it really depends on your student loans. But I would say most student loans are under seven percent and most people think that they rush to pay off these loans, right?
Like, it's such a big thing. They just want to be able to scream, I'm debt free and like, ring the bell and run around and wear a shirt that says, I'm debt free. And they think that that is what it means to be financially savvy. But I want to reframe the daddy gang's thinking. Because seven percent is the average return that we can expect from the stock market with inflation.
So if you aggressively say you pay, you're paying your minimum on your low interest rate debt, and then you're putting extra money also to pay off that debt even quicker. Why not put that extra money into the stock market, where you're going to be getting a higher return than seven percent? So instead of you're going to be making, you can make more money investing than you would be saving by paying off your debt.
Amazing, that makes so much sense. So let's talk about your fourth and final tip.
The fourth tip is to really work on your money mindset, because here's the thing. There is a cognitive bias called the ostrich effect that causes people to avoid information that they might perceive as negative. So ostriches. Not only can they run faster than any other two legged animal, but they also bury their heads in the sand. When they sense that danger is coming, they don't fight it.
They don't try and figure out a solution. They're just like, OK, Peace, I'm going to shove my head in the sand and I'll be here till whenever. So I get hungry, you know? And personally, I definitely did that with my finances, it's a known thing that happens in personal finance.
That's how common it is. So if right now you're feeling overwhelmed by this information, that's totally normal. And all that we need to do is take the first step.
I agree. It's like Daddy Gang we. We need to know where we are, we need to know where we're starting from in order to improve our finances. We can't just ignore.
I get it so intimidating and scary, and it's something that, like, you don't talk about on dates, you don't even talk about with friends. Asking them how much money they make is awkward.
Like, it's a very sensitive topic because there are so many things that come along with it. Aside from just feeling shame that you don't know what you're talking about, then there's the whole other aspect of, like, feeling shame. Because you're comparing yourself to other people, maybe who are around you, making more money or less money, or whatever it is.
And our parents, Alex, like our parents, like, you know that most of our money biases are ingrained by second grade, second grade, so it is so deep in us. And like, I have that so big time, I don't know, like, like, what you're? What's your first memory of money?
I would say, comparing myself to my friends growing up, like, we're much wealthier than my family. All my friends had second homes and all my friends were able to have cars, and, like my parents, couldn't afford that. And so I just always remember feeling like nervous to ask my parents for money if I wanted to go to the movies or something like. And I remember when my dad lost his job and it was like, super tight.
And like, my parents were like, you cannot ask us for twenty dollars, so I just remember the concept of a dollar being really scary to even ask for. Because I knew how precious it was. In order to, like, keep my house when I was younger, for my parents, not have to move us and like, downsize or so, I think. Like, for me, money was something that we didn't really talk about, but when we talked about it, it was. It was really, really stressful and like a like a pained point in the conversation.
Whereas my friends, my parents, their parents would just be like giving them one hundred dollars to go to the mall, and sometimes my friends would like pay for me. So like, it was like this shameful thing of, like, I don't have what my friends have, and always wishing that I could have something like them.
Yeah, it was shameful. And it was never about using money to, like, live the life that you wanted. Money felt scary, money felt tense. And how do you think that's affected you now?
I think when I got out of college, I like, I kind of talked about. I was so intimidated by not feeling like I would be able to make enough to live the lifestyle I wanted. And so I really just, I mean, to be honest, I just started fucking dating rich guys and instead of focusing on my own career, I was too afraid to live in the the point where I wouldn't have enough. So I would have to like, really rough it and like, not have enough to potentially live in the city at one point.
And so I dated a guy that allowed me to live in New York City at one point. So it was like, I was like, probably compromising my morals in order to have a financial status that I wanted to live at. But it was like it actually set me back farther because I wasn't just starting from. Everyone gets out of college, and unless you're like a Nepo baby or you have rich parents, like, I had zero dollars in my bank account.
And my dad put $300 in it and was like, OK, that's, that's my gift to you. And then I was like, What am I doing? So I had to start with, like, basically nothing, and I had to get a job and it was really scary. And I think I was like, kind of depressed when I had my first job because I was like, how am I ever going to make more money than this?
Like, this is so fucking depressing, this is so scary. This is like, I want to be wealthy. I want to be rich like I want to.
And it's like, but you have to work for it, and there's nothing better than when you start to work for it. And you start to look at your bank account and you start to make better decisions. Because all of a sudden it's also your money, and it's so much sweeter when it's your money and it's what you worked for. It's like it's daunting in the beginning.
But when you start to actually invest in yourself and your own bank account instead of comparing yourself to other people, all of a sudden you have this. It's invigorating, but I'm not going to lie, it's really, really scary and I know I'm obviously in a very different financial situation right now.
And I'm so fortunate. But I have felt the other side of it and it's. It's intimidating and it's not fun to be at, like the low point where you're starting, like.
I've said the story before of, like, I literally went home and cried to my father. The first year I had a real job and said, like, I didn't even. Like, someone told me, like, did you do your taxes? like Dad, I didn't know I had to do taxes. So every year gets better, you just have to wake the fuck up and start caring about it.
Love all of that. And first of all, I think that it's so interesting that you grew up sort of with this shame around your friends having to pay for you. And then you almost carry that into your relationships, where you would look for a man to pay for you. It didn't feel good, but it was familiar. So it is that money bias from childhood recreating itself in adult relationships.
And unless you actually take a step back and heal that. And I encourage everyone who's listening to really think about, what's your first relationship with money? Most of us? what's your first memory with money? most of us never think about?
That never asks ourselves, but here's the thing you can have, all the tools of the world, all the you know, budgeting apps, the this, the that, all the money, income. But if you don't actually work on your emotional relationship to money, then you're never going to be able to hold on to it. Or you're going to hold on to it too tight, and the relationship will just never feel healthy.
So it's good work to do. I really encourage that, but I love that.
I also really appreciate you coming on because I think every time you try to have a conversation about money. I can imagine there's a lot of people listening that feel very isolated and they don't really have many people to talk to about this again. Because there's just been something that has become the norm of, like, don't talk to your friends about it, like, it's just awkward and I get it. So I think this is a great beginning and starter place for Daddy Gang to just know. The 50 30 20 rule is like, what you should leave here today and knowing that you're going to start implementing if you haven't already. And then in the description we're going to put all of the links.
Free tools. Yes, that Haley was talking about today, so that you can begin to like. If you're like, I know I have debt, but I don't know what the interest rate is on it. You're going to find that out today. And if you don't know how to maybe get into getting that savings account set up, you're going to know how to do that today.
And so don't feel overwhelmed, Daddy gang, after listening to this, you're going to be OK, you got this. Also, please feel free to DM me or Dow Jones. Yeah, we can continue this conversation.
You're not alone, trust me. The reason we're doing this episode is because so many people do not know what they're doing and it is OK.
And if you don't control your money, it will just control you. Yeah, so we're going to get you in control of your money. And the last thing that I wanted to add that really like, is the most important. Like, the pillar of all of this is creating a money date for yourself. So I do mine every month on the last day of the month.
I did mine yesterday. It's June 1st now and we're recording. And I realized I was spending a lot on Matcha. Which, you know, we celebrate, but we also need to work on everyone. Teachable moment. But you know, it's having that set time. Make it comfortable for yourself.
You can order and take out, put on your sweatpants, like, you know, have a glass of wine, whatever you go, edible, whatever your poison is, you know. And set that time because days are going to pass. And if you don't clear the time in your schedule and really make yourself have that sit down with your money, then you're not going to do it. And I know that you're not going to do it because I didn't do it. I learned all of this, but it took me months to actually implement it because I wasn't having that money date. And now it's like, I'm religious about it.
And if there's one thing that you vote, there's a few things I'd like for you to take from this episode. Emergency Fund 50 30 20 rule, paying off that high interest rate debt, paying off that using that 7 rule. But also, please schedule time for you to look at your finances, because if you don't schedule it, it's not going to happen.
Yeah, I love this so much. And I know obviously there may be some people listening to this that are like, I know all of this. But just be, first of all, respectful. I know that's what I'm saying, and so we can. Also. I know I've had people write in and maybe we can do another episode on. Like, for couples, I think that's a huge point of contention in relationships financially, of who should be splitting, what if someone's making more money, like.
Maybe we can do a part two for the people that now are have a little bit of their finances figured out. But now they're in a relationship. And that is a whole nother battle and struggle of trying to figure out how to financially figure out the boundaries and balance in a romantic partnership.
Well, I mean, the most. One of the most important financial decisions that you ever make will be who you choose as your spouse. So I would love to do that. And yeah, ask DM us any questions.
I'm here. Yeah, seriously, I can't thank you enough for coming on. You are so fun to talk money with, even though it's usually not a fun topic. And I'm so happy we finally made this happen.
You are amazing and thank you so much for coming on. The daddy gang is going to freak out and love you.
Oh my god, thanks for having me, thanks for letting me pop your finance, cherry.
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