Should I let my partner pay the bills?! In this episode, we delve into the complex world of financial management and how couples can navigate these crucial financial questions, offering insights and solutions to help you and your partner achieve financial harmony and understanding.
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I'm just surprised that you have a google sheet like him. I know because we always tease him about his sheets, right? And then you actually have a hypocrite.
Yeah, I do know that there are some couples that even after married, right? Like yesterday, the dinner $10. You haven't paid me back.
Hey, everyone and welcome back to the hot pot where we hop into different transitions in life. I'm k, I'm Joey.
I'm Nick and today we have two very special guests with us. It's Amanda and
Justin.
Please introduce yourselves.
Hello, I am Amanda. I'm Justin, I'm Amanda's husband.
Oh, you
wear the pants in this? Really?
Actually, I'm wearing his pants actually. Literally, I'm wearing his pants now. It is a thing where couples share clothes. No, I was a bit upset that I could fit into his pants, but it's OK. Never mind. You look great. You look wonderful. I cannot pull my husband's pants past my.
But yes. How long have we been married for? I think two years, almost 33 years, two years, past three years. Do you always forget how long you've been together with your partners? No. No, that was a very fast note.
My
one year anniversary is next week.
Congrats.
I'm not planned anything at all. You don't say
things,
but this will air after the anniversary.
I still got four or five days to sort it out.
Anyway, today's topic is something that is more relevant for most couples and it's all about managing couple finance, be dating or married. As long as you are in a relationship, we are going to get into the specifics on couple finance. So, Amanda and Justin, I assume you guys manage your finances very well.
I think so. I think so. I think so.
They, like, manage their mouth, gave them strong one.
The word is not dear. It's mine. Ok. Yeah, three years, definitely.
So, what's the dynamics between the two of you? Who's the, who's the one that's managing all the finances?
I'm the princess. I love. Are you at like a carton level? 1000 miles
is very little. I'm half
a million.
A
million.
A million.
Oh, my God.
So, how financially savvy are you guys? I, this kind of question? Ok. I look at him. How financially savvy are you? I think. Ok, I think, ok, that you just said half a meal, half a meal miles of money.
Oh, it's still very
different.
Ah, my net worth is 500 K miles.
I know you're still gonna use that from now. Right. Honestly, if I'm primary school he's in university, that's like the level of
the game we play is I try to give her like finance acronyms and see whether she can guess.
Then is it like, every time you try to teach or educate then they will listen, like she will listen 10 seconds then
like, she will put the effort to try and understand she's getting better at it already. So I appreciate it. But no, because his level is at a level where
how he must really like explain that. I'm four years old, you know, really parenting vibes. Yes, gentle. Although sometimes a bit getting not very gentle. So that just don't parent just do. I never, I do or if not, for example, now whatever credit cards I'm using, right. It's all his so that he can clock like the mouse and no wonder how our weaponized incompetence. Yes, I think so. But it's like, it's cute.
I get to be a
princess but I
have some friends. The dynamic is flip. No. So it's like the wife that is the one that is like the mouse chaser and like the financially 71 and then the husband is there is the passenger princess
so much.
So I think the important thing is that we never couple as long as got one
in your dynamics. I mean, obviously you sorry, I'm looking at joy. I think we're both pretty chill actually. Like I do have some friends
that are like inverse. I just some friends who are like we're ok and they do really well and I take comfort in that because I find that when people say it's passive, right? It's really not passive every day, they're checking every day, they check the stocks and I'm like, I can't deal with that. So actually for a lot of couples talking about finances can be quite challenging
and awkward at the start. So how do you guys first broach the topic, I think it started from when he had his own business at that time. So at that time, he was struggling, struggling, he was struggling. So he had his own business. So like the concept of money to him is very important. Cash flow is your life. So every dollar you spend, you are like, oh cannot, don't dare spend. So true that I learned a lot. I think I spoke about this online before I went on my first date with him.
We went to eat fried chicken and then that fried chicken was like, it came out to be around like $17 per person. Then after he said something that made me very guilty, he said $17 that he joke like he didn't mean it in a mean way. What is like my food budget for the entire week? It's true. And I was like, I make him eat like $17 per person at the corner like sucking the cartilage off like that. Either way
I like I do, I cannot finish that I put then maybe I thought he was, oh, I cannot finish. Was you saw like he one good meal, right? For the entire week. Yeah. But although he was poor at that time, I saw like potential. I saw like the ambition that he had to, you know, one day
be a bit more comfortable. This is to be investment. It really, it was a big gap
dividend.
But
when did it become serious? When it comes to the conversation of money? I think when we started to talk about like the next step at
this point together or not together
after that, we start talk about the future and then like what we potentially have to pay for and like what kind of lifestyle that
we envision for ourselves? Because some people like they are satisfied with, for example, let's say holidays, they are very satisfied with going to maybe somewhere around Southeast Asia once a year and that's totally fine. But we like to travel and we hope that we can travel like maybe twice a year minimum when we talk about finances like house, like insurance, like if we have kids next time, then the money thing started to like,
so yeah, after that, we talked about like, you know, the whole like job thing. Is it uncomfortable for all the couples? Not really, not really. No, I don't think so. I think if it's uncomfortable then, then
there needs to be the conversation in fact, if it's uncomfortable, right, then why are you all together? It's like a big part of the relationship. Ok. So do you guys combine finances as a couple? Yes, we have a joint account. We can join all the both salaries go into the same account. Yeah. So I think unlocked also some savings but savings, like
it's all about the future planning.
You guys same,
you put both your salaries in one account. No, no. Ok.
Separate because based on the amounts that you're earning, if you hit a certain tier and then you leave a certain amount of money in a certain account, the highest interest when you collect interest, then expenditure is whatever makes the most sense in terms of like
your your rewards. Lah.
So the joint account is for you guys to just put some money in every month.
Yeah, but then at the same time I don't hold a lot of cash like beyond like your emergency
dry powder. Yeah. Can teach us he is old.
So basically there are two schools of thought some people say that like you need to have cash to go in when the market is down. Other people are like don't time the market just average out every month. So then for me, I am more towards the letter where I'm like, ok, I was just every month. I don't think so much because I don't want to go and over analyze like different industries and things like that.
Joe is nodding.
Hit snake powder, cooling powder very good. But how's your situation? We have a joint account because we are planning for a life in the US. It's a bit tricky for us because right now we are working together and all the money comes through my accounts and then eventually when we're in the US. So we have an account in the US where we parked our wedding money and we, we
kind of like growing two separate accounts. So I handle the Singapore side, he handles the US side and so that we at least have a little bit both places here.
Offshore account
is that why
I know? But what are the benefits of having a joint account
beyond the practical and functional like aspect of ok, you, you based on the products that are on offer in the market, then you max out, right?
I think there's also the element of accountability because then when every month we agree you're supposed to put in this amount, I'm supposed to put in this amount, then it's a forced like savings or rather than being accountable to yourself because some people, they don't have the
discipline to be accountable to yourself.
It's a tangible way to see your commitment to each other beyond the ring. Yeah. Yeah. Yeah, for us is that we have the same account and we pay our mortgage to it. So it's very easy. So it's like we sh I know she doesn't spend much. So it's ok. Do you guys set any limits on spending and
have there been any disagreements on them fight or not? No, not really. I think, I think he knows me well enough to know that, like, I will not one day come home with, like some branded back. I buy back. Right. $80. I stand there for them long shooting. Three months, two months later, haven't buy I buy
because I'm calling the Yeah, I mean, if I really need the thing, then I will buy. If it's something that is a bit more frivolous, like clothes or like bags or whatever, then I will go back, think about it for like one week plus two weeks. Then I'll decide whether I want to buy what is a sale. That's why you get me.
I saved. I think when it comes to big ticket items, usually we will tell each other like, I don't know what you all consider big ticket items, but like, if you want to buy like a screen stuff then like my one new screen, like 1002 I spend one year to think about it before I buy. It. Sounds like you guys are quite similar
in terms of like spending habits. There's one thing that he doesn't understand, I say he doesn't understand, but I have a weird thing about taking private hire. So I don't like to take taxi if I can and sometimes he'll be like just take it,
you know, but I say I have criteria when I want to take taxi from Z to Changi. Ok. To take train, I would take one. I really respect you. Something that started because of like childhood or are you just very good and safe? Yeah, actually mine is from childhood because my mom, she was a single mom for like the first maybe like 89 years of my life and also how she struggled because she
couldn't take care of me by herself because she have to go and work. Right. So she would like two jobs. So she had to get a helper.
And then when she got a helper, there's also like extra expenses. Then like afterwards when life got to be better and she met my stepdad then like, the finances got better and she tried to, I can tell that she tried to give me a lot of things that she feel I didn't have in the childhood. But that kind of like scarcity mindset of like stuff. Right? It is not a bad thing. It's just like a habit it's up bringing I think. Yeah, because a lot of how you view money,
like they say, the scarcity mindset kind of thing, right? It honestly is from young and the way you see your parents talk about money, the way they spend their money, the way they give you pocket money or manage your purchases. That's how you see money and like, you deal with it as
an adult.
Actually, just a nice spending habit is quite different. I spend quite a bit. So Jess is very similar to you, like, where she doesn't really care for like the branded bags or things like that. But then I like.
So the way that I do my finances is every month there will be your recurring bills that's like spending and expenses that, you know, in advance already. Then there is like
your play money. Funny
money.
That's why I call it like that
every month is that amount that I set aside also. And then that also depends on like variable expenses, like sometimes unforeseen stuff that you spend on right. Then that also will eat into your, into your play money. So if like, I forsake or I need to go and see a doctor or I spend something
like that I didn't expect to spend on, then I have less play money that month. LA Yeah. So anything left over then? Yeah, you can, you can spend guilt free because you know that you've already covered your basis, including your savings investments and your bills. So who
pays the bills
in your relationship?
It's easier. Yeah, I'll just plan for everything for most things. Actually he pays for most. Yeah. Honestly, my credit card sometimes I don't know how much I spend but it's not so it's not, but it's not something that he will see the bill and go the limit almost change on the card.
Basically he gives me three credit cards and then he was algorithm. Yeah, he simplified it until cannot be any more simplified because he was like OK, this one you use for transport, this one you use for shopping,
dining, travel
one
then this one you use for anything that's multiple of five.
That's so easy to understand. Imagine you even put like a label,
label
you must put in the phone. They do test at night just like this. He notices the other day. He said, oh, I noticed that the transport card you used to pay for food a few times. Then I'm like, you mean you notice then he was like, yeah, OK. Next week, next month just change. Yeah.
Are you struggling to have the money? Talk with your partner
to
help you guys get started. PSB has put together some good money habits to help you save, protect, grow and retire to take you from your first paycheck all the way to retirement across different life stages.
And if you're not sure where to start, you can check out the article in the link in the description box or speak to a P OS B Wealth Planning Manager.
So when one partner contributes more financially in a relationship, does it affect the relationship dynamics? Not really, I'm happy to be
love it.
There comes a point where you realize that actually get your money is my money, my money,
but your team,
it doesn't make sense to be. So
the sadness
coming from you. I never felt it.
It's quite interesting because I have seen already before. People like couples got this kind of money disagreement where they feel like, oh, how can I keep paying? But then like this person and it can be like is
minor
amount, minor amounts or so
they want it to be equal.
Maybe some people need the structure of a percentage. Then in my opinion, I personally feel like one person's earning more, it makes more sense for them to pump in a little bit more if they're not ok with that, it's up to the couple to
figure out. So
the only time that I will talk into like
just like things right? Will be like you this year you top up CPF you top up this la that kind of thing.
I
just, I just do, I never asked you go and log in. Ok. Both of you shake hands. They can be friends. No, really? I'm really standing in between this right now. You should be sitting here, right.
I
feel
like as long as all those bases are covered, everything else is fine. Sometimes less about the
micro stuff. It's like the macro stuff is done, right? You're ok already. Yeah, but speaking of the micro stuff, I do know that there are some couples that
even after maybe. Right. I hear before, like,
yesterday the dinner, $10 you haven't paid me back. Maybe I go here before I go before. I mean, if it works for them, yeah, there's so much disdain. I mean, if it works for them. All right. So, what are some money habits that you guys adopted that has worked for both of you as a couple? I think you're just here for the,
I think just automation, like, the moment the money comes in, right? You just make sure that it's like sent out to the different accounts that you need it to be at. And then after that, like what Nick said is after it's just funny money or play money. So you automate everything so you don't have that mental overload and you can use it for other things. Yeah. Yeah.
So for me, it's like I have a macro and micro view of my money in and out. So like
even for this year, I would have already planned ahead 2025.
What is the target? Like your target network? 707 100 your portfolio must see a certain amount and I even miles or so I will like forecast like, ok, this trip I will use and redeem then this trip I will like I was safe and then what's gonna expire and things like that?
I never like I know I get
you, I get you, I get
you when there's that annual view.
Then you can, you have a rough plan to follow. Then on a monthly basis, you can adjust accordingly like unforeseen expenses. It's about removing friction points when it comes to like simplifying
how much
of your salary do you guys save percentage? Rough? At least 50 to 60 years actually. Yeah, it's quite, we are quite high on
it. You call investment and saving. I call
it investment saving
about that 50
to 60 is
we always see online, there's that 50
20
50 30 20 a lot of different formulas.
So experts recommend setting aside at least 10% of your take home pay every month and at least 3 to 6 months of expenses as emergency cash.
No, but it's also because like,
I think a lot of these formulas are very us based where rental is a very big expense and then rental, you cannot count as saving slash investment. Whereas when you buy a mortgage actually is part of your.
So yeah, it's not true because we have CPF and things like that also. And I think the other thing is that as we grow older and your income increases, the increase will be mostly going into savings.
One thing
that I also observe about a lot of people that just come up to work is that like, wow, first paycheck, you know, that's all thing like wow, I hope every day, that sort of thing. But a mind like that is very, very dangerous because your ok, you may have increased in your
income a little bit. But in your lifestyle inflation suddenly you feel like, oh, I can, can drop a lot of money on everything. Lifestyle creep is real. It is real.
So actually, do you have any fun ways of making saving part of your like financial
routine?
I will say that financial literacy for me was like, not a thing until I realized that
lifestyle creep. I have a dog. Now I have a cat. Then you have to pay big bills like immigration fees. I think I was like the biggest thing I purchase I ever made and I stumbled across Dave Ramsey. So he has this thing called a zero based budget. That was the first time I ever heard of anything called sinking funds. I was like,
where's the belt? But so basically what he does, right? Every single dollar and cent is accounted for and that works really well for me because I'm a very visual person. So every month because I'm a freelancer, I don't get a fixed income, but I set a fixed income for myself. So let's say I know that there's this amount, right? This amount will always go to my dog's food. This amount will always go to my transport and I
as like bubble tea fund, I set aside like friend birthday fun every time I'm sitting down and doing my funds, right. I set aside all this money in a sheet that I can see like if you spend less on bubble tea, then you can spend more on toys, for example, and I can transfer the money there. I tried with actual cash before because I also like the sound of it and I literally built a final facts in my wallet. So a long wallet with taps
said bubble tea that said groceries that said transport, that said whatever. And I built it, I built it in a week by week basis. Instead of a monthly budget, I set a weekly budget. So in a week it's easier for me to visualize. It's like pocket money, your parents. So I'll be at the barber shop like ok, I got $5 left only right. But I still got like $50 from my toys that I never spend.
Ok, move over. So now I got more money for poverty. But I know this week I cannot buy any of what your toys, for example, tangible. It's tangible and I know that I know every dollar is accounted for and if I earn more that month, it just goes straight into savings. That's what works for me. It sounds like but the works, I'm just surprised that you have a Google sheet like him. Oh I know because we always tease him about his sheets, right? And then you actually have a
Yeah. So what about you guys? Do you use any apps to track your spending or set your budgets? So basically we have our joint account on PSB and then both our salaries go inside and then we use that to pay for our home loan with DB. And then we also have the money, money out feature that we can see where the money is going on. So that's quite nice. Yeah, it's an easy way to see whether we are spending more than we are making. I love finding Nemo
when he opens his Excel sheet of all his credit cards and all the expenditure and everything, everything is color coded, everything is many different steps. Opening, I feel like I entered the matrix. So it's really, yeah, at least you know, cheating really then like the amount of like
power that he uses on his finances, right? So I don't know, I feel like I feel like a chimpanzee next to him sometimes, like really like, wow, like with this kind of like money stuff, right? Structure stuff at some point algorithm. You have like a few steps and you go through that. They just like, how much is this? What spending it is then pop up? Then you have the answer is best
for
I track my credit card
expenditure like quite regularly actually, almost every day because you must make sure you don't hit the cap for the mouse. So then naturally you will be keeping track of your expenses. There won't be any surprise like, oh, how come suddenly like this amount
on the topic of
finance. How do you guys stay protected when it comes to risk? Do you guys have insurance together? Yeah. Yeah. Yeah. So I think other than working insurance, I'm a believer in a bit. Invest the rest.
So we buy a yearly term plan that it's like a certain amount and you say one more time bt buy term investor episode is just Joey me and Amanda just invest the rest. So the concept of term insurance and life insurance is a bit different term you pay and you never get anything back, but it's much lower for the same amount of coverage. But if you buy like life insurance, you can get some money back
but it's much higher. Yeah, yeah, so I'm the I spend this which is in love. Let me just tell you that I'm so sorry we've lost the man.
Have you seen it?
What about you?
Insurance? Ok.
So because we don't plan to have kids at this point. So I'm quite light on insurance. The most important thing to me is hospitalization, travel insurance and then I buy them also.
Yeah, so
what are the key areas of insurance do you guys recommend
to me? I think the main thing is to make sure that anything that could potentially be a stressor in your life is covered. So they
things like health, life, critical illness, your mortgage disability and then any other general sort of insurance like travel, your
car
insurance.
Car
insurance and things like that
before we got married, we both got the term insurance just to make sure that whatever expenses we have, if any of us pass, then it will be covered. So I think that was a big move that we did together before getting married and getting a place together. I think the other big thing also is we
figure out how to invest together like in a nice way. So, I mean, what we do is we have a lot of automated stuff. So we put the same joint account and then when we do investments it just comes up from the same joint account and even though it's like, sometimes going to her account to put some is in my account just to me a bit
and there is all automated and actually in terms of investments, both of us have very different personalities. I'm a lot more risk taking. Yeah. So usually I'm more risk averse and he's like the, ok, let's play because he will, like, monitor every day. That sort of thing. So, yeah. Yeah. But that's why every time, even though I invest her money for her. Right. I try to put in bonds or in like t bills, things are like a lot safer for her. So it's like, don't worry, this money is insured by Singapore government.
If
you lose
your money you got bigger things to worry about.
Yeah. Yeah. Yeah,
exactly. Exactly. You
put out the Singapore government thing. Then everyone feels safe. Then sometimes a few times that he invest for me and then he was ok. Your money is here, here, here, here. Then I'll be like, why is this number red color with the arrow going down? Is it a good thing or a bad thing? It's ok. It's ok. It's ok. Yeah, it's like it's ok. It's ok. Sometimes it's green, sometimes it's
ok.
What's important is 20 years from now is what color?
Honestly after this conversation,
I feel like you marry someone like this two men.
Very oh
my God, I want to be a, she's just like that. The whole diamond is this supposed to be pink color? See the potential diamond in the rough. Yeah, like like like the face, right? Cannot eat, one cannot fund. Honestly, I never understood investing until I talk to my friend and she was basically explaining to me that
we are losing money to inflation. And when she put it that way, I was like, you are right because to me it's like why you want to play like especially TV portraits. They are always like at the TV, right? And I'm like this is terrifying. I think of like the New York. Like
last time when we were young, we watch the drama. Yeah. Then they always say I lost all my investment, then I lost everything. There was such a common theme. Last time
I was always like,
like this on TV. So I'm like, oh my God, investments
are actually, it's quite, it's not that so that my
friend told me you can invest in companies that you like, you can look up like companies that you feel for, they can be almost not a charity but like organizations that you align with morally, ethically as well. And I'm like, oh, I never
thought about that.
Ok. So in terms of investing, experts actually recommend that you set aside at least 10% of your take home pay every month to
invest, which is, you know, it doesn't sound like much 10% but it goes a long way because with compounding over time, your money will grow exponentially as well.
And the compounding his chair, I actually got compounding.
I love me.
Question.
Ok. Guess
first guess first would you rather trust your partner to hold on to and keep track of your savings or the other way? Of course, my savings. He knows things that I, I forgot I even bought.
I love that me. Would you rather have a low paying job that you love or a high paying job that you hate? I think I would prefer high paying job. People say money come by happiness. I disagree.
I can agree
to compartmentalize.
Would you rather have more time or more money, more money?
Like when you have more time you have more time to earn money, more
money doing your time. I'm happy. With 24 hours.
If you found $10,000 on the ground, how would you split it between your parents, your partner, your best friend and yourself?
You
will keep your 10 C, you think you can invest better than them?
Yeah.
Between all these people. They say best friends, parents.
I'm in the best position to when it's 100 K, I speed you
guys? Oh, my God. I found $500.
What expensive purchase would upset you if you found out your partner bought it without discussing it with you first spicy. Oh my God. Anything that is not on him myself or immediate family. The dog can, can it on someone that like, I don't really know very well then. And you didn't consult me first, you
can buy anything for himself is fine. He suddenly come back and buy a car
or a
bike. That is,
I'm really ok with it. We are both very chill like that. I trust him as a person and if he made a mistake, then we will work through it together. Oh, so cute.
So how do you guys align your financial goals as a couple? The long term plans are maybe
or even things like shorter term like say getting a car, like having Children, that sort of thing. Would you have already put those financial guard rails around? Like,
ok, we need to be prepared in case I think
a little bit. Basically I pull my colleagues and friends who have kids and then understand roughly how much they spend on a monthly and I put like a buffer on it and make sure that my salary can cover it. That's one. Yeah. And then obviously when the kid comes to buy like policies for them or like foundation and all the kind of things and in that context is like long term stuff, right? Is that how much can you put into the market? So that
even if you pass, you will have a nice spot for the Kid
Legacy planning.
Actually,
one of our previous episodes, you were talking about retirement and how all the more you should think about retirement if you already know that you don't come from a very financially strong background. And then it got me to
about what retirement looks like to me, like how that's even possible. How do you guys envision your retirement life? I think for me is I want to have kind of like a life that every month or every few months you have the opportunity to travel. So for me, I benchmark my
retirement pot to be able to draw down on it and be able to have that lifestyle and think it is important as I just two types of investment. I one is like super risky or like more risky where it's like in the open market. And the type is like we have the of the CPF. So I put a lot of money into my CPF number one to reduce the taxes that I have to pay every year and then it has a stable return. So, even if I burn my hands in the open market, I know I will have my,
ah, retirement summer. Yeah. And then after that there's also the SRS, so the supplementary retirement savings, I think. But that one also, it depends on where your
salary. Once your tax bracket is really quite high, then it's worth it. But for most people, I don't think it's super
worth it
then actually, like in your retirement, do you plan on having like passive income streams
outside of like the lump sum that we invest and draw down from? Not really right now, there's no plans for any side businesses and all that kind of stuff. But at some point, if that becomes a thing, then you can run on its own. Why not? But I don't really believe in like passive pacific
that you have to work
towards it.
Yeah. Actually, I think that's the thing because a lot of people always imagine passive income as like this dream scenario where like, oh, suddenly, well, I don't do anything and then like money will keep coming in. But actually you put quite a lot of effort, like even being a landlord, for example. Right? It's a lot of effort and like make sure like the house is ok, your tenant is happy paying on time.
It's all about actually. So that's why for me, I believe in the,
the stock market and like just an, and stuff like that on CPF because you know, it's safe even though like the returns are not crazy, but you know, you're gonna get it.
But I think the main takeaway based on what you're saying is that it's important to also just like diversify. So you don't put all your egg in one basket.
OK,
guys, to wrap this up, what would you say is the most important factor in managing couple finance successfully? I think that
getting in tune with your partner's spending habits. Number one is very, very important because I think honestly that is where a lot of arguments come about. Maybe one person is more of a saver, another person is more of a spender. Then you will need to know that whether you can live with this for the rest of your life, especially if you are going to a long term relationship. So for me, I think it's more like, don't be so calculative and really need to trust your partner. And I think sometimes it's like
it depends on your personal ability and your interest, right? So I remember that she knows that she, she's not super interested in this, but she trusts me to help her do it. So I think that's a very important dynamic to have, right? You cannot both be like, don't care or both be like to hate banging against each other. So if you realize that that's not what you like, just accept that somebody can help you. It's ok. It's a partnership.
I
think the calculative portion is like super important because like
the way that I see Jess and I like financially is like we are one because when you look at it as like we are one entity, then you realize that there is equal responsibility to make sure like our shared finances are in good shape. The other thing also is that like talking about spending habits, I feel like pre marriage, there should be something that is aligned already. But at the same time, spending habits, I realize like can change also like there are people who buy branded stuff and then they will spend. But the minute like a kid comes right, then your priorities really shift and like they like
wake up a bit, you know. So I think as these spending habits evolve and change, then your partner needs to be kept in the loop and there needs to be a communication. Also, the important thing is that both of you must be aligned though.
It's
true. True.
Thank you for joining us on the hot pot. You can also listen to us on Spotify Apple podcast and me listen and subscribe to our channel if you haven't
already.
And of course, a huge thanks once again to Amanda and Justin for joining us.
Thank you. For having us. Thanks a lot. Thanks for having us to find out more about PBS, money habits. Go over to their website linked in our description box below where you can read more to find out about how you can improve your financial well being
and we will see you on the next episode.
Bye.
Pet insurance. Also, actually, my dog doesn't even play rugby. She cannot see out there is the AC equivalent for a dog. Oh my God. So whats is like CC one side? Right? Because they li then after you see the other like, oh my God, it's like my knees now. I run. No, no, no. When I run right, my left side pain I put knee got, then my right side.