Earning $240K+ a year but no cash set aside for Christmas? You're not alone.

Financial advisors Autumn and Ian give high-earners the realistic plan: how to fund THIS year's holidays with big-ticket gifts, plus the 70/30 system so you never scramble again.

You'll learn:

- How to calculate your REAL holiday budget ($20K/month income examples)

- Planning for $500+ gifts, not $50 gifts

- The 70/30 Twogether Money system (70% Life Operations + three 10% buckets)

- Why your Short-Term Savings is the secret weapon

- The mandatory Fun Fund rule (if it brings joy, it's a yes)

- Black Friday reconnaissance for next year's purchases

This is your last chaotic Christmas. Promise.

Download: Christmas Money Planner at twogethermoney.com/christmas

Get the system: 5-email mini-course at twogethermoney.com

Buy the book! Twogether Money. Be Wealthy. Do Less. Have More.

Next week: Autumn's personal money breakthrough.

Why do high-earners dread the holidays even when they have plenty of money?

In this episode, financial advisors Chloe and Ian sit down over coffee to discuss the real reason behind holiday money stress—and it's not what you think.

You'll hear: - The story of Sarah and Cory: earning $280K but "can't afford Christmas" -

Why the panic → avoidance → overspending cycle isn't about your budget - The hidden belief that keeps you stuck -

How to shift from "Holiday Victim" to "Intentional Spender" - The one question that changes everything about holiday spending

Plus, grab the free Money Date Workbook to have this conversation with your partner before the chaos hits. Download the Money Date Workbook: twogethermoney.com/moneydate

Learn more about the Twogether Money method: twogethermoney.com

Next week: The 70/30 Anti-Budget System explained.

Talking about money with your partner doesn't have to feel like going to war. Learn how to turn the dreaded "money conversation" into a connective experience that brings you closer—while building wealth together.

Full Description:

Most couples avoid talking about money until it becomes a crisis. But what if the money conversation could actually strengthen your relationship instead of threatening it?

In this episode, Chloe and Ian walk you through exactly how to have your first money date—the conversation where you design your 70/30 system together and become a financial team.

You'll learn:

• Why couples avoid money conversations (and how to reframe it entirely)

• The exact setup: when, where, what to bring, and what mindset to have

• The three unbreakable rules: no blame, curiosity over judgment, same team mentality

• Phase 1: Vision Phase—dream together about what financial peace looks like

• Phase 2: Reality Phase—look at where money actually goes (without judgment)

• Phase 3: Design Phase—create your customized 70/30 split

• Phase 4: Implementation Phase—set up accounts and automation

• What to do when the conversation starts going sideways (because it might)

• How one money date can transform your entire relationship

Real client stories:

• Sarah & Mike: Hadn't talked about money in 2 years—she'd rather go to the dentist. After their money date, they scheduled a second one voluntarily.

• Jason & Alicia: Both terrified of being judged. Used the "no past blame" rule and created a system together instead.

• Tom & Elena: Together 8 years, money was always an underlying tension. After the money date, they felt closer than they had in years.

This isn't just about the system. It's about becoming financial partners who trust each other, understand each other, and build wealth together.

Ready to schedule your money date? Download the Money Date Workbook: twogethermoney.com/moneydate

Looking for the book? TwogetherMoney.com

Ready to join the Guild? TwogetherMoney.com/guild

Stop tracking every latte. Stop fighting about who spent what. The 70/30 system is the anti-budget that high-earning couples use to automate their wealth without spreadsheets, guilt, or constant negotiation.

Full Description:

Budgets fail because they're restrictive, rigid, and don't account for real life. If you're making $200,000+ and still tracking every purchase as if you're broke, you're using the wrong system.

In this episode, Chloe and Jeff break down the revolutionary 70/30 system that's transformed hundreds of high-earning couples from stressed money managers to wealth creators. This isn't another budget—it's an entirely different approach.

You'll discover:

• Why traditional budgeting is designed for the wrong income level (and why it keeps you feeling broke)

• The simple 70/30 split that eliminates money fights forever

• How Marcus & Rachel went from $3,000 in savings on a $420K income to complete financial peace

• The one-time painful exercise that sets you up for life (2-4 hours that change everything)

• How to set up automatic transfers so money flows to the right places without thinking

• Why "pre-authorized spending" eliminates guilt and creates freedom

• The psychological shift from "can we afford this?" to "which bucket does this come from?"

Real client stories:

• Kevin & Jessica: $180K income, thought they couldn't afford life—discovered $900 monthly cushion they didn't know existed

• Daniel & Emma: Six months without a single money fight after years of constant tension

• Tom & Linda: She spent 20 hours/month managing money they already had—now spends zero

This is the system from Shanta's original book "Budgets, Like Diets, Don't Work" (now archived, available only to Guidance Guild members), evolved for high-earning couples.

Ready to automate your wealth? Download the free implementation guide: twogethermoney.com/free-course

Making $300K+ but can't afford a dishwasher emergency without a panic? You're not alone—and you're not broken. This is the identity trap that keeps high earners stuck, feeling broke, even when their bank account says otherwise.

You make great money. Six figures. Maybe multiple six figures. But somehow you still feel one unexpected expense away from disaster. You stress about purchases you can absolutely afford. You check your bank account multiple times a day. And you genuinely can't answer "can we afford this?" about things that should be no-brainers.

Sound familiar?

In this episode, I break down why smart, successful, high-earning couples feel broke despite doing everything "right"—and more importantly, what to do about it.

You'll discover:

• Why your subconscious mind is literally spending money to keep you feeling broke (even on a $400K income)
• The expired money system you're still using from when you made $60K
• How your "broke student" identity sabotages your wealth
• The three reasons high earners stay stuck in financial stress
• The ONE identity shift that changes everything (no budget required)

Meet Marcus & Rachel: A surgeon and software director making $420K/year who couldn't afford to replace their broken dishwasher without a two-hour anxiety conversation. Their story will sound eerily familiar—and their transformation will give you hope.

This isn't about making more money. You already have the money. This is about finally permitting yourself to BE the wealthy person you actually are.

🎯 Ready to shift your money identity? Download the free 5-day mini-course at twogethermoney.com/free-course

RESOURCES MENTIONED:

• Get the book: Twogether Money. Be Wealthy. Do Less. Have More. twogethermoney.com
• Join the Twogether Guidance Guild: twogethermoney.com/guild
• Connect on X: @twogethermoney
• Follow on Pinterest: Twogether Money

ABOUT THE HOST: Shanta Lee Meeder spent years as a financial advisor, watching successful couples stress about money they actually had. Now she helps high-income couples ($200K+) stop feeling broke, automate their wealth, and finally enjoy what they've earned—without tracking every latte.

Next Episode: The Anti-Budget Revolution: How to Automate Your Way to Wealth with the 70/30 System