In this episode of Two Cents, James shares exciting news, and we dive into the dynamics of being a breadwinner, looking back at our earnings over the past 7 years of our relationship for reference.

We debate how couples should split finances and explore the importance of honesty about big financial decisions. From navigating combined finances in marriage to the pressures of the breadwinner label, we discuss it all.

And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚

Thanks to our sponsor, Public! Learn more at Public.com/STS

A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more.

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Edited by ⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠

Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠

Episode breakdown:

0:00 Talking about breadwinners

0:33 Thanks to our sponsor, Public!

2:12 James' big announcement

5:20 Marriage and combined finances

7:15 How our pay has evolved in our relationship

14:27 Does the breadwinner label create unnecessary pressure?

18:31 How should finances be split?

25:30 Breadwinner PSA

26:35 "People don't think work is important unless it makes money."

28:12 Have you ever hidden a big financial decision from your partner?

35:25 Importance of being open-minded