WEBVTT - Navigating Love And Money 0:00:01.139 --> 0:00:03.150 When I was a kid, I always got told it 0:00:03.150 --> 0:00:05.850 was good to share, but does that mean money too? 0:00:06.300 --> 0:00:08.610 A few episodes back, we were talking about financial abuse 0:00:08.670 --> 0:00:11.580 and Katie made a point saying that it's important not 0:00:11.580 --> 0:00:14.280 to be put off sharing finances with a romantic partner. 0:00:14.490 --> 0:00:17.309 There are benefits to it, although it can still get messy if 0:00:17.309 --> 0:00:19.950 you don't have a solid plan in place. So, today, 0:00:19.980 --> 0:00:22.950 I'm talking to Amy James, a product manager at Legal & 0:00:23.040 --> 0:00:25.950 General. When she and her partner Dan decided that they'd 0:00:25.950 --> 0:00:28.469 like to settle down together, he revealed that he had 0:00:28.469 --> 0:00:31.889 built up some significant debts. Her story is about how 0:00:31.889 --> 0:00:35.159 they worked together to get to a stronger financial place. 0:00:36.600 --> 0:00:38.850 Amy, great to have you here, but can you give 0:00:38.850 --> 0:00:42.900 us a brief overview of your experiences sharing your finances 0:00:42.900 --> 0:00:43.560 with your partner, Dan? 0:00:44.370 --> 0:00:46.979 Dan and I met when I was 22, and I 0:00:46.979 --> 0:00:49.259 think we have hit every milestone along the way in 0:00:49.259 --> 0:00:52.230 terms of how we have shared our finances. Early days, 0:00:52.409 --> 0:00:54.570 I mean, very much like most couples, what was mine 0:00:54.570 --> 0:00:57.060 was mine, what's his was his. We lived very independently 0:00:57.060 --> 0:00:59.490 and dated like that for about a year. And then, 0:00:59.520 --> 0:01:01.440 the role that I had took me to a point 0:01:01.440 --> 0:01:02.880 where we had to decide do I want to move 0:01:02.880 --> 0:01:04.349 to the same city as him or was I going 0:01:04.349 --> 0:01:07.049 to stay? So, we decided that I would move in 0:01:07.049 --> 0:01:08.699 with him in his flatshare with some of his other 0:01:08.700 --> 0:01:10.949 friends, so that was kind of our first step into, 0:01:10.949 --> 0:01:13.170 okay, so what does that mean for our shared finances? 0:01:13.680 --> 0:01:17.039 At that point, again, we just contributed to each other's 0:01:17.040 --> 0:01:21.030 little pot that goes into the shared household. And about 0:01:21.030 --> 0:01:23.789 a year after that, living in a shared housing, I 0:01:23.789 --> 0:01:26.069 was like, " Great, I'm saving loads of money here," so 0:01:26.069 --> 0:01:28.289 I'm either quite happy to do this, or actually we've 0:01:28.289 --> 0:01:29.759 done this for a year, do we want to live 0:01:29.760 --> 0:01:31.709 just the two of us? I think that was the 0:01:31.709 --> 0:01:34.770 pivotal first conversation that we had about what's next for 0:01:34.770 --> 0:01:36.930 both of us. And it was at that point that 0:01:36.930 --> 0:01:38.970 Dan said he had a little bit of debt, not 0:01:38.970 --> 0:01:41.759 that much, just a few thousand pounds. It was enough 0:01:41.759 --> 0:01:44.098 for me to worry about, but go, " Okay, that's fine." 0:01:44.099 --> 0:01:47.369 We're clearly in different financial positions. So, at that point, 0:01:47.369 --> 0:01:49.080 we said, " Well, we don't want to stay living in 0:01:49.080 --> 0:01:51.030 a house share, but we'd like to get our own 0:01:51.030 --> 0:01:53.640 place. We're not ready to jump straight into buying somewhere 0:01:53.640 --> 0:01:56.460 together because we're not in the same financial position." So, 0:01:56.490 --> 0:01:58.650 the agreement was Dan would keep paying off his debt 0:01:58.650 --> 0:02:00.750 and he said he was in control of that, but 0:02:00.750 --> 0:02:02.880 I would keep saving towards a house that we would 0:02:02.880 --> 0:02:07.320 eventually buy, so we moved in together. About coming up 0:02:07.320 --> 0:02:09.720 to 12 months from having kind of moved in together 0:02:09.720 --> 0:02:12.180 and renting, I saw one of the apartments in our 0:02:12.180 --> 0:02:13.980 building come up for sale and I thought, " Well, we 0:02:13.980 --> 0:02:15.959 love where we live. We're close to town. It's a 0:02:15.960 --> 0:02:18.809 lovely building and I've probably got enough money to buy 0:02:18.809 --> 0:02:24.300 that with a mortgage." That was kind of the next 0:02:24.300 --> 0:02:26.669 conversation, so we said, " Yep, that's great." I don't think 0:02:26.669 --> 0:02:28.980 we revisited sort of how far Dan had come in 0:02:28.980 --> 0:02:32.429 his debt. We were probably still kind of fairly ignorant 0:02:32.429 --> 0:02:34.679 and living in happy bliss of each other's finances, but 0:02:34.679 --> 0:02:37.889 feeling like that comfortable arrangement was underneath of it, that Dan 0:02:37.889 --> 0:02:39.960 was paying off debt and I was saving. So, it 0:02:39.960 --> 0:02:41.669 was no surprise to him that I had enough savings 0:02:41.669 --> 0:02:44.220 to kind of put down that deposit. So, we put 0:02:44.220 --> 0:02:46.110 down the deposit. We said we'd buy the house. Dan 0:02:46.110 --> 0:02:48.780 was very adamant that it would be my house and 0:02:48.780 --> 0:02:50.519 he didn't want to go on the mortgage, that it was 0:02:50.790 --> 0:02:52.440 going to be for me. He couldn't contribute towards the 0:02:52.440 --> 0:02:54.929 deposit and he felt that was fair. I was like, " 0:02:54.929 --> 0:02:57.029 All right, I don't really mind." I knew that I was 0:02:57.030 --> 0:02:58.739 buying it as our first home that we were going 0:02:58.740 --> 0:03:00.570 to live in together, so whether he was on it 0:03:00.570 --> 0:03:03.389 or not kind of didn't bother me, but I understood 0:03:03.389 --> 0:03:06.150 better when it came to that kind of first month 0:03:06.150 --> 0:03:09.570 that we were ready to make that exchange, everything's culminating, 0:03:09.690 --> 0:03:12.958 and Dan started to look quite worn out, quite stressed. 0:03:12.960 --> 0:03:15.030 It was very visible on him, and one day, I 0:03:15.030 --> 0:03:17.279 came back from a work trip and he just broke, 0:03:17.669 --> 0:03:19.680 and he confessed that actually he had a lot of 0:03:19.680 --> 0:03:22.709 debt. He had been paying it off in the last year, 0:03:22.980 --> 0:03:26.490 but what might've been 3 or 5, 000 pounds of 0:03:26.490 --> 0:03:29.460 debt was not. It was more than his annual salary 0:03:29.490 --> 0:03:30.090 in debt. 0:03:31.020 --> 0:03:31.140 Wow. 0:03:31.710 --> 0:03:36.209 Yeah. So, yes, that was a critical milestone. 0:03:37.110 --> 0:03:41.790 Wow. So, that is quite a journey that you guys 0:03:41.790 --> 0:03:44.160 have been on, and I mean, that is quite a 0:03:44.160 --> 0:03:47.159 revelation. I can't even imagine how it is, you think 0:03:47.160 --> 0:03:49.019 one thing in terms of the amount of debt your 0:03:49.020 --> 0:03:51.780 partner's got, and then it ended up being something completely different. 0:03:51.900 --> 0:03:52.920 Yeah. Quite a shock. 0:03:53.820 --> 0:03:55.890 If we talk about that process then, what was the 0:03:55.890 --> 0:04:00.720 most important and helpful thing that helped you through going 0:04:00.720 --> 0:04:04.349 through getting your first property and just having a conversation? 0:04:04.860 --> 0:04:07.230 Well, it was once we were in that situation that, 0:04:07.650 --> 0:04:09.299 I mean, everything has to come to a head at 0:04:09.299 --> 0:04:10.799 that point, doesn't it? Because it was a question of, 0:04:10.799 --> 0:04:12.660 well, do I continue to buy this apartment? What if 0:04:12.660 --> 0:04:14.610 we can't afford it? I'd intended for us to live 0:04:14.610 --> 0:04:17.520 in it and share those expenses together. I was able 0:04:17.520 --> 0:04:20.700 to afford that mortgage by myself. That's the point. So, 0:04:20.700 --> 0:04:23.729 that was comfortable and we agreed that, okay, that's what 0:04:23.730 --> 0:04:24.960 we're going to do. I was going to continue to 0:04:24.960 --> 0:04:27.628 buy the house, but there was no more of me saying, " 0:04:27.630 --> 0:04:29.219 Okay, that's fine, Dan. You just carry on in the 0:04:29.219 --> 0:04:31.920 background paying off your debt." We had a much more 0:04:31.920 --> 0:04:35.010 visible shared sense of each other's finances, but also it 0:04:35.010 --> 0:04:40.290 forced us to sort of embrace this idea, an understanding 0:04:40.290 --> 0:04:44.610 that yes, we could have probably kept independent and that 0:04:44.610 --> 0:04:46.589 might've meant that I could afford things that he couldn't 0:04:46.589 --> 0:04:48.720 afford or I'll pay for you to go on holiday 0:04:48.720 --> 0:04:50.339 because I want us to go on holiday together, but 0:04:50.339 --> 0:04:52.710 actually, we knew we were doing this as the next 0:04:52.710 --> 0:04:56.638 step of our lives and our partnership together. So, I 0:04:56.639 --> 0:04:59.130 looked at that as I want our finances to be 0:04:59.130 --> 0:05:01.289 shared together, so if we've got all of this money 0:05:01.290 --> 0:05:03.748 to pay off, I see it as you do, but I 0:05:03.750 --> 0:05:06.389 want to help you pay that off because what happens 0:05:06.389 --> 0:05:08.070 to you is going to impact what happens to me. 0:05:08.730 --> 0:05:11.610 But I think we found a mutual respect for one another and 0:05:11.940 --> 0:05:14.399 in the steps that we took, so we rented out 0:05:14.520 --> 0:05:16.438 one of the rooms in my new apartment and my 0:05:16.440 --> 0:05:19.020 brother came to live with us, so that helped pay 0:05:19.020 --> 0:05:20.729 towards it. Dan had to sell his car, but we 0:05:20.730 --> 0:05:22.020 lived in the City Centre, so it was one of 0:05:22.020 --> 0:05:24.300 those... That was a heartbreak, but we lived with it. Exactly. 0:05:24.930 --> 0:05:27.060 But those were big commitments. He also quit smoking and 0:05:27.060 --> 0:05:29.250 that was huge because that was a big expense. So, 0:05:29.490 --> 0:05:32.279 there were a couple of big lifestyle changes between us 0:05:32.279 --> 0:05:35.010 both that went towards paying off all of that debt. 0:05:35.550 --> 0:05:38.849 I think that's really good. Hearing your story I think 0:05:38.849 --> 0:05:42.089 is probably reminiscent to a lot of our listeners. It's 0:05:42.089 --> 0:05:44.520 such a mature conversation that you had and it's a 0:05:44.520 --> 0:05:47.880 difficult one, and we said it before on this podcast 0:05:48.089 --> 0:05:51.329 that money is such a taboo topic, and especially talking 0:05:51.330 --> 0:05:53.698 about it when you're not in a great place, people 0:05:53.700 --> 0:05:56.940 shy away from it. So, it makes sense why maybe 0:05:56.940 --> 0:06:00.690 he wasn't forthcoming initially, but you two putting together that 0:06:00.690 --> 0:06:02.339 plan and saying, " You know what? We're a partnership. We're 0:06:02.339 --> 0:06:04.830 going to figure this out together." But equally, you not 0:06:04.830 --> 0:06:07.650 taking full ownership of his debt, which you could have 0:06:08.010 --> 0:06:09.480 have stepped in like you said and said, " You know 0:06:09.480 --> 0:06:11.428 what? I'm just going to help you pay off." But 0:06:11.428 --> 0:06:13.890 coming together and helping him manage his money I think 0:06:14.099 --> 0:06:17.219 is really key. I want to bring it to your 0:06:17.219 --> 0:06:20.790 everyday now, so what does that arrangement look like now 0:06:20.790 --> 0:06:23.130 with your everyday finances, the two of you? 0:06:23.160 --> 0:06:26.579 Well, we fast- forward five, six years now actually. We 0:06:27.240 --> 0:06:29.790 jumped. We paid off all that debt. We set ourselves that goal 0:06:30.750 --> 0:06:32.460 that we said we'd pay it off in three years 0:06:32.460 --> 0:06:34.529 and we actually paid it off in just under three years 0:06:34.529 --> 0:06:36.330 because we were getting married, and we made a big 0:06:36.330 --> 0:06:38.160 kick at the end to say, " We want to start 0:06:38.160 --> 0:06:40.860 our lives. I'm married without all of this debt behind 0:06:40.860 --> 0:06:44.580 us." Now, we have our finances completely joint actually. Slowly, 0:06:44.580 --> 0:06:47.250 our finances just came together to the point where everything 0:06:47.250 --> 0:06:49.169 was going into that joint account, so there was no 0:06:49.170 --> 0:06:51.058 more sort of just splitting the bills. Both of our 0:06:51.059 --> 0:06:53.490 incomes went into it, and that's made a big difference 0:06:53.490 --> 0:06:55.589 for my everyday now because we now have a little 0:06:55.589 --> 0:06:59.730 girl. She's three. And when it came to big decisions, 0:06:59.730 --> 0:07:03.120 again, like maternity leave, suddenly I'm the one who's at 0:07:03.120 --> 0:07:05.550 the financial detriment because it's my income that's taking a 0:07:05.550 --> 0:07:09.359 hit, not Dan's. And actually, well, there was no question 0:07:09.360 --> 0:07:11.219 that that was just a joint hit. It wasn't my 0:07:11.219 --> 0:07:13.800 hit to take on my own and my finances. Our 0:07:13.800 --> 0:07:16.590 household income took the burden of having to take the 0:07:16.590 --> 0:07:19.500 maternity leave, and then what does childcare look like? All 0:07:19.500 --> 0:07:23.280 of that comes from our family finances as opposed to 0:07:23.490 --> 0:07:24.150 his or mine. 0:07:24.599 --> 0:07:26.610 Well, I think it's great, like you said, your approach 0:07:26.610 --> 0:07:29.399 to finances now. I mean, congratulations on getting it all 0:07:29.399 --> 0:07:32.220 wiped off and having the wedding that you wanted, and being able 0:07:32.430 --> 0:07:34.620 to do that, I think that is such a testament in 0:07:34.620 --> 0:07:37.110 your journey and your story together with the partnership. But I 0:07:37.110 --> 0:07:41.400 think even just seeing how you guys manage your money, 0:07:41.400 --> 0:07:44.370 and join your finances, you obviously have your strong money 0:07:44.370 --> 0:07:47.369 management that you've got yourself innately, and I think there's 0:07:47.369 --> 0:07:50.280 so many different things that people can do. Whenever I 0:07:50.280 --> 0:07:51.570 talk to people who were a couple, there are things 0:07:51.570 --> 0:07:53.340 like money dates. I'm not sure if you guys do 0:07:53.340 --> 0:07:54.960 money dates where you kind of get- 0:07:54.960 --> 0:07:55.021 We do. 0:07:55.021 --> 0:07:55.800 ... together and talk about it. 0:07:55.800 --> 0:07:59.791 Yeah. I don't know that I'm as glamorous as calling it a money date. 0:07:59.791 --> 0:08:01.170 But you come together and talk about finances. 0:08:01.170 --> 0:08:02.789 We absolutely do that, yeah. We sit down and we look 0:08:02.790 --> 0:08:04.620 through what are the bills and kind where we at, 0:08:04.949 --> 0:08:07.350 and we have that open conversation about what is our 0:08:07.350 --> 0:08:09.090 next goal? So, it was really obvious when it was 0:08:09.090 --> 0:08:11.310 paying off debt, but once we paid off debt, then 0:08:11.310 --> 0:08:12.990 it was, well, actually we're going to get married. Do 0:08:12.990 --> 0:08:14.849 we want to save for a wedding? Do we want 0:08:14.849 --> 0:08:17.010 to save for a new house? We have. We've bought 0:08:17.010 --> 0:08:19.350 a new family home, rather than our little first apartment. 0:08:19.620 --> 0:08:22.020 What were each of those goals that we were saving 0:08:22.020 --> 0:08:24.269 towards? Or if we weren't saving sometimes at any point, 0:08:24.270 --> 0:08:25.800 it was just we were just building up a bit 0:08:25.800 --> 0:08:28.350 of a... What's the word? A comfort blanket. 0:08:28.350 --> 0:08:31.680 Yes, yes. Like an emergency fund, a rainy day fund 0:08:31.950 --> 0:08:32.040 that you can fall back on. 0:08:32.040 --> 0:08:32.041 A rainy day fund, exactly. 0:08:32.041 --> 0:08:32.101 Amazing. 0:08:32.880 --> 0:08:34.889 We both love our travel, so it would always be, " 0:08:34.889 --> 0:08:37.889 Okay, if we save that, then maybe actually now it's 0:08:37.889 --> 0:08:40.230 nice things that we can save for. We can save 0:08:40.230 --> 0:08:42.389 for nice holidays and go on nicer trips." 0:08:42.600 --> 0:08:44.160 That's really nice. I think it's so great to see 0:08:44.160 --> 0:08:48.270 that. You mentioned there that you guys have got an amazing child, a three- year- old. 0:08:48.330 --> 0:08:48.930 We do, yeah. 0:08:48.990 --> 0:08:51.958 Amazing. So, how did things change for you as a 0:08:51.960 --> 0:08:55.740 couple when you had your child? Because obviously that is massive 0:08:55.740 --> 0:09:00.208 change, and did you have to review, who paid for 0:09:00.208 --> 0:09:03.328 what, and what expenses were paid out of where? 0:09:03.600 --> 0:09:06.390 Yeah. I guess for us, because we had come together 0:09:06.390 --> 0:09:09.089 so jointly in our finances, we didn't have to change 0:09:09.090 --> 0:09:11.490 an awful lot when I got pregnant and when we 0:09:11.490 --> 0:09:15.630 had her. Actually, childcare just became another expense that had 0:09:15.630 --> 0:09:17.549 to come out, and obviously, we have to have that 0:09:17.549 --> 0:09:21.510 conversation and review. We've got new outgoings and what does 0:09:21.510 --> 0:09:24.090 that look like? But it was nice to have that 0:09:24.090 --> 0:09:27.690 comfort that it wasn't me looking at it in terms of, " 0:09:27.690 --> 0:09:29.610 Okay, well, if I want to reduce my hours, what 0:09:29.610 --> 0:09:31.980 does that mean? And can I still afford to contribute 0:09:32.160 --> 0:09:34.828 my half of things?" Because actually it was recognized that 0:09:34.830 --> 0:09:37.228 it's just what do we have as a total sum, 0:09:37.500 --> 0:09:39.540 how much of that is now going towards looking after 0:09:39.540 --> 0:09:42.929 this little person, whether that's childcare or just new bills 0:09:42.929 --> 0:09:45.929 and new groceries that need purchased. But in that way, 0:09:45.929 --> 0:09:48.269 it was kind of nice. It just became very casual 0:09:48.270 --> 0:09:49.620 and didn't feel stressful. 0:09:50.250 --> 0:09:53.848 Well, I think that's nice. Like I said, you got over the harder part initially, which 0:09:53.850 --> 0:09:55.770 is you tackling that debt, so then everything else almost 0:09:55.770 --> 0:09:58.620 feels more seamless because money isn't taboo anymore. We can 0:09:58.620 --> 0:10:01.319 talk about it. We can figure out our rhythm. So, I 0:10:01.320 --> 0:10:05.338 think that's great. That's amazing. Amy, it was great hearing how you 0:10:05.370 --> 0:10:07.439 guys manage your finances as even a couple, and I 0:10:07.440 --> 0:10:10.139 think it's also good to highlight just in general, anyone 0:10:10.139 --> 0:10:12.179 who isn't a couple and thinking about different ways that 0:10:12.179 --> 0:10:15.570 they can manage their finances, keeping separate accounts is another 0:10:15.570 --> 0:10:16.920 way that you can do it. So, people have their 0:10:16.920 --> 0:10:18.960 joint accounts, but you might have your separate accounts that 0:10:18.960 --> 0:10:24.000 you put money into for different spending. Like you mentioned, 0:10:24.000 --> 0:10:26.640 sharing things in the joint account is all very useful. 0:10:26.759 --> 0:10:29.578 Household bills in there, things that you share, joint accounts. 0:10:29.820 --> 0:10:33.330 Also, dividing up what's mine, what's yours, and what's ours? 0:10:33.390 --> 0:10:37.500 Keeping that separate and having the main earner pay their 0:10:37.500 --> 0:10:40.199 partner and allowance. Another interesting way to do it, but 0:10:40.200 --> 0:10:42.149 it works for some couples. So, there are some general 0:10:42.150 --> 0:10:44.279 tips that you can do when it comes to managing 0:10:44.280 --> 0:10:47.009 your finances as a couple. But what I do want to kind 0:10:47.010 --> 0:10:50.550 of caveat here is to be wary of joint finances. 0:10:50.760 --> 0:10:52.860 If one of you has a poor credit history, because 0:10:52.890 --> 0:10:55.260 if you open up a joint bank account or take 0:10:55.260 --> 0:10:58.468 out a mortgage together, your credit rating could be affected 0:10:58.679 --> 0:11:01.620 as you'll be co- scored if you apply for credit, 0:11:01.620 --> 0:11:03.540 so it's a good idea for both of you to 0:11:03.540 --> 0:11:08.040 check your credit before combining your finances. Amy, I'm going 0:11:08.040 --> 0:11:09.540 to ask you the question that I ask all of 0:11:09.540 --> 0:11:11.970 our guests at the end of our episode. What are 0:11:11.970 --> 0:11:14.400 your three top tips for our listeners to help them 0:11:14.400 --> 0:11:15.570 get a little bit richer? 0:11:15.690 --> 0:11:18.330 I think my first is there is no one- size- fits- 0:11:18.330 --> 0:11:20.219 all. I started by telling you that I think we 0:11:20.219 --> 0:11:22.379 have hit every single one of the ways of sharing 0:11:22.379 --> 0:11:26.370 finances through our relationship, so we didn't jump straight into 0:11:26.370 --> 0:11:28.950 sharing finances on our third date. We built to that, 0:11:28.950 --> 0:11:31.588 and that has absolutely served us right, but I've got 0:11:31.590 --> 0:11:34.950 plenty of friends that also have wonderful marriages and partnerships 0:11:35.250 --> 0:11:37.950 but don't share their finances and still have those open 0:11:37.950 --> 0:11:41.939 conversations, which is my second point. I think having open 0:11:41.940 --> 0:11:45.090 conversations, really transparent ones, both with yourselves but also with 0:11:45.090 --> 0:11:47.730 friends because I think money is really taboo and it 0:11:47.730 --> 0:11:50.819 shouldn't be. Why can't we talk about how much somebody 0:11:50.820 --> 0:11:53.219 else spends on something? Because actually, it might put in perspective, " 0:11:53.219 --> 0:11:56.040 You're spending what on those bills? Look at this one. 0:11:56.490 --> 0:11:57.990 You can save a little bit over here." And actually, 0:11:57.990 --> 0:12:00.328 that really helps and it helps you as a couple 0:12:00.330 --> 0:12:04.350 as well. My third, I think it's having a shared goal 0:12:04.350 --> 0:12:07.078 because that helps that foundation of shared respect for each 0:12:07.080 --> 0:12:09.929 other's finances. It's unlikely at any point in time, you're 0:12:09.929 --> 0:12:11.488 both going to match in your finances. One of you 0:12:11.490 --> 0:12:12.660 is going to earn a little more. One of you is going 0:12:12.660 --> 0:12:14.429 to earn a little less. One of you might come 0:12:14.429 --> 0:12:17.340 into a bit of money. And I think having that 0:12:17.429 --> 0:12:19.890 respect for the fact that you're both working towards a 0:12:19.890 --> 0:12:22.920 shared goal at any point in time helps if there 0:12:22.920 --> 0:12:26.189 are challenges where somebody's going, " Do you know what? Actually, that budget feels 0:12:26.190 --> 0:12:28.170 really tight and I don't enjoy it. Now, I am 0:12:28.170 --> 0:12:31.440 feeling restricted in my spending, and that's encroaching on the 0:12:31.440 --> 0:12:33.929 life that I want." Actually, having that conversation to say, " 0:12:33.929 --> 0:12:36.238 All right. Well, that's fine. Let's rein that back a 0:12:36.240 --> 0:12:39.360 little bit." So, I think at every point, if you 0:12:39.360 --> 0:12:42.809 have something that you're working jointly towards, that really helps 0:12:43.230 --> 0:12:45.360 cement any of the other two points where you're having 0:12:45.360 --> 0:12:47.580 those conversations and being open and honest with each other. 0:12:47.820 --> 0:12:50.490 Those are amazing, especially the tip about the shared goal. 0:12:50.639 --> 0:12:52.170 I love that. I think when it comes to any 0:12:52.170 --> 0:12:54.929 kind of saving as a couple but even as individuals, 0:12:54.929 --> 0:12:56.760 having a goal in mind will keep you on track, 0:12:57.059 --> 0:12:58.980 and it's even better if you have the same vision. 0:12:59.040 --> 0:12:59.490 Exactly. 0:12:59.850 --> 0:13:02.160 Thank you so much, Amy. You've shared some incredible gems 0:13:02.160 --> 0:13:05.340 on this podcast. Next time, I'm learning more about side 0:13:05.340 --> 0:13:07.889 hustles. A second job can be a great way to 0:13:07.889 --> 0:13:10.348 bring some extra money in, but do you need to 0:13:10.350 --> 0:13:13.410 pay tax on that money? What other costs are involved? 0:13:13.830 --> 0:13:16.050 And will you still get time to actually have a 0:13:16.050 --> 0:13:18.570 break from work? I'm getting into all of this and 0:13:18.570 --> 0:13:21.090 more on A Little Bit Richer, but while you wait, 0:13:21.360 --> 0:13:24.210 hit follow, leave a review, and tell a mate. These 0:13:24.389 --> 0:13:25.980 are all the things that help get the pod up the chart 0:13:26.040 --> 0:13:27.990 and helping other people too. Bye.