Money & Relationships: SHOULD MARRIED COUPLES HAVE SEPARATE BANK ACCOUNTS?

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• 3:46Speaker 05

  Money and relationships. How should money, cuz you know, what the thing about money is that money is a tool, right? And it can be used for, to build or to destroy. And money is one of the biggest factors in divorces.

• 4:05Speaker 06

  Is it? Well, yeah, it's true.

• 4:07Speaker 05

  So money and relationships, what's the role of money and relationships? Like, how do you, how do you think money should be utilized? Talked about? When do you start the conversation? Because this is a lot of awkward moments that people don't really have.

• 4:27Speaker 06

  Awkward, though?

• 4:28Speaker 05

  Because nobody, nobody likes to talk about money.

• 4:30Speaker 06

  Why? Well, I do. I do. I think you gotta have uncomfortable conversations.

• 4:33Speaker 05

  Early, early in our ship?

• 4:35Speaker 06

  Man, if I'm, yeah. If I think we gonna end up in a relationship, we gotta have that conversation early and often. What's your dream? What's your vision? What, what business can we build together? Are you investing? Are you a spender? Are you a saver? You gotta have them tough conversations in the beginning.

• 4:52Speaker 05

  Do you wanna, do you think that a woman's role is to work or stay home? You have those kind of conversations?

• 4:57Speaker 06

  Absolutely. And I don't think a woman should work outside of the castle. You can't be in my castle and go work for another king. But you also gotta provide a motherfucking castle, first and foremost.

• 5:07Speaker 05

  So you, you.

• 5:08Speaker 06

  You gotta work in the business or have your own.

• 5:13Speaker 05

  Okay, this is interesting. So you don't want your girl or wife working for anyone else?

• 5:20Speaker 06

  No.

• 5:22Speaker 06

  Because it, uh, cuz you're helping somebody else build their empire. And if I'm going to take care of everything, then help me build what's here. That's also another sign of like, do you also believe in the vision 1,000%? What the fuck you going to Goldman for if I got this? And they ain't find you. I took 11 trips off, man. Didn't take 11 off Goldman on accident.

• 5:49Speaker 06

  So y'all can say all that, it's giving broke cuz he said fly yourself out. Le como playa capo portefeuille no. What y'all talking about?

• 5:57Speaker 05

  What? Big, it's go, what?

• 6:00Speaker 06

  Nah, nah, working inside the castle. Working inside the castle. Stylist, everything, bags, everything. What we talking about? So.

• 6:09Speaker 05

  So if they wanna work, then they should be working.

• 6:11Speaker 06

  Either have your own business or work inside of the empire.

• 6:16Speaker 05

  Is that a deal breaker for you?

• 6:18Speaker 06

  Unless you're grossing more than I'm grossing you.

• 6:26Speaker 05

  Yeah, interesting.

• 6:27Speaker 06

  I wish a motherfucker would tell me, like, I can't go somewhere cuz my boss at Chick-fil-A said I can't go. Bitch, how about that building? Come, what are you talking, no. Add some value here. What?

• 6:39Speaker 05

  But for the average person that doesn't own their own business or is not financially, is financially sturdy enough to pay for their spouse,

• 6:50Speaker 05

  the average person, right?

• 6:51Speaker 06

  Get in a position where you can so your girl don't go dancing amale.

• 6:57Speaker 06

  Now, we wanna talk, we wanna talk. His swag was off anyway.

• 7:02Speaker 06

  That little dusty hand shirt he had on, boy, no haircut. I said, boy, you, and he had a bird anyway. Let that go be at the zoo. You know, Brooklyn. But for the average person, you gotta have a conversation and say, here's where I wanna get to in two years. And I always say, if you have to ask your girl, does she believe in the vision? Like you said, some things, if you asking her, she don't believe. Don't believe. You gotta get you someone who willing to build. And that's why you just can't pick off a look or vibe or who not. Well, like my homegirl Foxy tell me all the time, like, you gotta get somebody who's also gonna invest in you. You gotta be able to, willing to put something in. You wanna fly around and have fun and all this access that I built? That's cool, but what are you gonna put into this to keep this shit sustainable and keep it going?

• 7:48Speaker 05

  No, for sure, I agree.

• 7:49Speaker 06

  Yeah.

• 7:49Speaker 05

  I agree.

• 7:50Speaker 06

  I know I may have said it, Gruff, but that's for entertainment purposes, you know?

• 7:53Speaker 05

  Yeah, okay. So even, so your kids, cuz we talked about this before, I just feel like, uh, so how you feel about your kids working a job?

• 8:04Speaker 06

  I mean, if he wants to, cool. I, I think life will be dead out of him anyway, though. But also, too, like, my kids got a very interesting viewpoint of seeing like what we've been able to build. They don't wanna, like, Xander don't wanna go work at Zat's or wherever. Like, he's seeing what we're able to create and then also invested for him. Like, Xander's been able to see me like grow. He has his own money. He sees what's in an account. Like, now he's all in on basketball. I'm like, whatever you wanna do, just be great at that.

• 8:34Speaker 06

  So I think we should push our kids to be the best that they wanna be, whatever they choose to be. But then you can't push your kid to be great at something if you're not doing it yourself.

• 8:45Speaker 05

  I feel like, um, kids, if you're building a business, the first option should be the kid.

• 8:53Speaker 06

  Inside the business.

• 8:54Speaker 05

  Works in a business.

• 8:54Speaker 06

  Absolutely.

• 8:56Speaker 05

  Now, if they wanna just go off and do something random on their own, you can't.

• 8:59Speaker 06

  Working a gamestop, yeah, you can't control that, but.

• 9:02Speaker 05

  But it, it's embarrassing.

• 9:03Speaker 06

  Big facts. Yeah.

• 9:06Speaker 05

  It's embarrassing.

• 9:06Speaker 06

  Yeah.

• 9:07Speaker 05

  It's like, um, man, I had to tell that to, to my son, like, no.

• 9:12Speaker 05

  Why would you do that? Why are you doing that?

• 9:14Speaker 06

  Yeah.

• 9:15Speaker 05

  Why would you want to do?

• 9:15Speaker 06

  You gotta have them hard talks and got them. Yeah. You got an opportunity to do this and, you know?

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  This message is a paid partnership with Apple Card. One thing I've learned over the years is that building wealth starts with being intentional. And one of the things we talk about all the time on Earn Your Leisure is that it's not just about how much you make. It's about how you manage the money you already have. That applies to everyday spending too. The more aware you are of where your money is going, the better decisions you can make. That's one reason I appreciate Apple Card. You can earn daily cash back on every purchase you make with Apple Card. And you earn that daily cash back every day. I also like that Apple Card keeps things simple. There are no annual, late, or over the limit fees. No fees ever.

• 12:27Speaker 03

  And you can choose to grow your daily cash by opening a high-yield savings account through Apple Card. At the end of the day, building wealth is about developing better habits and making intentional decisions with your money. Apply for Apple Card in the Wallet app on your iPhone today. Subject to credit approval. Variable APRs for Apple Card range from 17.74% to 27.99% based on credit worthiness. Rates as of October 1st, 2026. Existing customers can view their variable APR in the Wallet app or at card.apple.com. Savings is available to Apple Card owners subject to eligibility. Savings in Apple Card are by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC.

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• 15:53Speaker 05

  Because oftentimes it's just like, you know, you might get influenced by friends.

• 15:57Speaker 06

  Yeah.

• 15:58Speaker 05

  Or different situations, but it's like, you know, if your father has sacrificed everything to have something. Well, that should be your first thing, right? Like that should be, you should just at least ask.

• 16:11Speaker 06

  Yeah.

• 16:12Speaker 05

  It might not be an opportunity for you, but just ask.

• 16:15Speaker 06

  Yeah, but I think the parents also have to make provision for them to teach them early so that they can work in the business. Because I think a lot of times parents way too late and put so much time into the business. The kid's 14, 15, I'm like, well, you didn't teach him nothing from five to 14.

• 16:28Speaker 05

  Yeah.

• 16:29Speaker 06

  Like you gotta make the time for them to have the time to help build them, so.

• 16:33Speaker 05

  But as far as relationships, I used to, when I was a financial advisor, I used to talk to couples all the time. I think you start the conversations early in dating process. As far as, you know, what's your views on entrepreneurship? How's your credit? Have you, have you invested?

• 16:50Speaker 05

  Are you into investing? These are conversations that you have to have because just like you, you, there's a lot of different things that you have to be compatible with.

• 17:00Speaker 06

  Absolutely.

• 17:00Speaker 05

  Like you have to be compatible with somebody as far as their personality. You have to be sexually compatible with somebody, but you also have to be financially compatible with somebody. And that's not talked about enough. Like a lot of times we're not financially compatible with somebody. And we never really even know that until it's too late, until you're like married and it's like, oh damn. Because that's, it's irritating. If you with somebody and they're not paying their bills on time or they're always late to do stuff. Or they never, they, they never want to save any money and it's like, that's, it's annoying.

• 17:32Speaker 06

  Yeah.

• 17:32Speaker 05

  Um, so.

• 17:33Speaker 06

  What questions should you ask to know if you guys are financially compatible?

• 17:37Speaker 05

  All those things, like, you know, as far as what's your views on, on saving money, right? Do you invest into your 401K? You save for your retirement? Have you invested in money into the stock market? Are you interested in, in real estate? What, do you want to buy a home or do you want to rent? What's your, what's your credit score? Have you worked on getting a better credit score? Like these conversations that we have all the time on these platforms, Market Mondays or Earn Your Leisure, right? Like, and not to say that somebody has to be perfect. They don't have to be have like a nine, 800 credit score. They don't have to have a million dollars in the stock market. They could have a bad credit, they could have, but they might be interested like, well, I haven't, I haven't started investing yet.

• 18:19Speaker 05

  But I've been watching Market Mondays and I've been saving my money and you know, I want to start next year. I'm gonna start putting a hundred dollars to the stock market. I let you know that they got the right mindset. And, or as opposed to them saying investing is a scam. I ain't doing none of that. I'm not saving no money. I put my money, you know, under the mattress.

• 18:39Speaker 06

  Yeah.

• 18:39Speaker 05

  And that doesn't make them a bad person.

• 18:41Speaker 06

  It's not a good fit.

• 18:42Speaker 05

  But it's not, it might not be financially compatible.

• 18:45Speaker 06

  Yeah.

• 18:45Speaker 05

  With you, because it's like, you know, the worst thing you could do would be in a relationship with somebody and they're completely opposite. And then you, and then it's like you, it's like now you're a parent.

• 18:53Speaker 06

  Yeah.

• 18:54Speaker 05

  You gotta remind them to pay their bills.

• 18:58Speaker 06

  Yeah.

• 18:58Speaker 05

  Because they always forget to pay their bills and then they're always late. You gotta put money away from them because they don't, you gotta take money out of their paycheck and save it for them.

• 19:08Speaker 06

  Yeah.

• 19:08Speaker 05

  Right? Like these are things that I think you just gotta be, and that, um, one bank account for two people shit is the dumbest thing I've ever heard of.

• 19:15Speaker 06

  Why, why you think that?

• 19:16Speaker 05

  Because.

• 19:20Speaker 03

  Okay, okay. So if y'all in a relationship, does she get access to one of the bank accounts or none?

• 19:25Speaker 05

  Here's my, here's my thing. Here's my thing with this. In a, in a marriage,

• 19:29Speaker 03

  Yep.

• 19:29Speaker 05

  I think we should have my bank account. This is my personal bank account. Your personal bank account.

• 19:36Speaker 03

  Yep, we got a joint.

• 19:37Speaker 05

  And a joint family.

• 19:38Speaker 03

  That's fire.

• 19:39Speaker 05

  The joint family account goes to groceries. We pay bills. We do whatever we want. And that's a joint. How much money is allocated to that? We could decide. Um, how much money we're putting into that joint bank account?

• 19:51Speaker 03

  Yeah.

• 19:52Speaker 05

  But that of one bank account?

• 19:56Speaker 03

  Everything going into one. Everything?

• 19:59Speaker 05

  Well, I'm not doing that.

• 20:00Speaker 03

  No, no way. No way, no how.

• 20:02Speaker 05

  I'm not, I'm not doing that.

• 20:03Speaker 03

  No way.

• 20:04Speaker 05

  You guys doing that? Are, are you guys putting in chat? Are you guys?

• 20:07Speaker 03

  Yeah, please don't. Cause if they take runoff, take that money.

• 20:12Speaker 03

  It's broke boy behavior.

• 20:14Speaker 05

  What?

• 20:15Speaker 03

  Well, well, one account.

• 20:16Speaker 05

  Well, some people know by a lot of times they, a lot of times a woman will push for that because they saying like, it's a trust thing. If we're one, if we're coming, if two people are coming together to be one, everything is one, including one bank account. I need to, I need to see the money. Your money is my money. So why not put it together for one?

• 20:38Speaker 05

  And, and, and here's the thing, I'm not even explaining. If I gotta explain that to you, I'm not explaining, I'm not explaining why I'm not doing one bank account. I'm just saying I'm not doing it.

• 20:48Speaker 03

  Yeah.

• 20:49Speaker 05

  If I have to explain to you why I don't wanna put every single dollar I have into one bank account with you, you're not the right person for me.

• 20:58Speaker 03

  Okay. So harsh message with kind tone. That's what I'm not doing. You good.

• 21:02Speaker 05

  Yeah, there's no, there's no explanation. We gotta, we gotta normalize, stop explaining things.

• 21:08Speaker 05

  Normalize, normalize, no explanation.

• 21:10Speaker 03

  Certain things don't need to be said.

• 21:11Speaker 05

  No explanation.

• 21:12Speaker 03

  Yeah.

• 21:12Speaker 05

  Why are you doing this? Cause I, I just think this is the right thing to do.

• 21:15Speaker 03

  Yeah.

• 21:15Speaker 05

  I'm not, I'm not explaining why. No, I'm not giving you an explanation.

• 21:18Speaker 03

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