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re: How to Get Rich - netflix
Posted on 4/26/23 at 11:36 am to CarRamrod
Posted on 4/26/23 at 11:36 am to CarRamrod
quote:
please explain to me where the hiding is....... he can see her purse..... she can see his fly rod..... What are they hiding?
We are fricking adults.... If you are fiscally responsible, and have disposable income.... why should you need to get permission to get it? I mean i get it is you are not fiscally responsible..... Are you proving that joint accounts are best for non fiscally responsible people? Ill, and most here, will probably agree to that.
So what benefit is having separate accounts? You can buy all those things with a joint account and you don't have to worry about who's turn it is to pay for things or transferring money or linking accounts to different bills or any of that.
There is no doubt joint accounts is more simple than separate accounts. It also allows for more flexibility in my opinion because it is already pooled and therefore joint decisions can be made on large items. So what is the benefit of separate accounts?
quote:
why should you need to get permission to get it?
No one in a healthy relationship should have to ask for permission even with joint accounts. Even for large purchases when people say they talk to their spouse it shouldn't be 1 person asking permission from another. It is a conversation because you understand that making large financial decisions impacts more than just yourself and it is best to understand the timing of financial decisions. What if your spouse was planning on making a different large expenditure and the timing is an issue therefore you need to discuss the optimal strategy.
If you need to ask for permission to spend money what else do you have to ask for permission to do? Go to the bathroom? Hang with your friends?
1
Posted on 4/26/23 at 11:40 am to bod312
quote:doesnt matter she did.... what do you do.
Why would she say no?
quote:i didnt say that..... your crowd is saying that it wont be better, and joint is the only way.
You think if a spouse was trying to control your spending that separate accounts would solve all the issues going on in that marriage?
quote:not at all... how did you deduct that?
So it sounds like you are in the camp that separate accounts are good because it allows to hide your spending.
Posted on 4/26/23 at 11:47 am to bod312
quote:what benefit is having only a joint account?
So what benefit is having separate accounts?
quote:hahaha such a big dilemma! how do separate account couples even operate?!?!
You can buy all those things with a joint account and you don't have to worry about who's turn it is to pay for things or transferring money or linking accounts to different bills or any of that.
quote:how is that more flexible? i mean it is widely agreed upon all big expenses should be discussed... she wasnt to buy something big... but need money from me...... click... you act like its the 40s and i would have to write a check, go down to the bank, put it in her account, wait 5 days.... etc. sooo tell me whats the benefit of only having a joint...
It also allows for more flexibility in my opinion because it is already pooled and therefore joint decisions can be made on large items. So what is the benefit of separate accounts?
quote:you tell me, you are the one that has to get permission from your wife to use your joint account
No one in a healthy relationship should have to ask for permission even with joint accounts. Even for large purchases when people say they talk to their spouse it shouldn't be 1 person asking permission from another. It is a conversation because you understand that making large financial decisions impacts more than just yourself and it is best to understand the timing of financial decisions. What if your spouse was planning on making a different large expenditure and the timing is an issue therefore you need to discuss the optimal strategy.
If you need to ask for permission to spend money what else do you have to ask for permission to do? Go to the bathroom? Hang with your friends?
Joking aside, you are in the situation i brought up already.... She says no.... what do you do.... you ask why would she.... no one knows, women's decisions cant be explained... so tell me what do you do?
Posted on 4/26/23 at 1:07 pm to CarRamrod
Married 28 years with separate checking accounts. We left it that way because it was much easier for me to manage the bills and mortgage payments at multiple properties when we were early in the marriage. We both maxed out 401k's and Roth IRAs so money got extremely tight and it worked better for me to manage those responsibilities without having to be concerned about an unplanned withdrawal causing the bills account to go negative. It seemed to work out ok since we are both 51, can retire if we want, and have been 100% debt free for nearly 10 years. There is no one size fits all method for couples as everyone has different personalities and skills. Develop a plan that works the best for you and your partner and don't concern yourself with what others think.
Posted on 4/26/23 at 1:13 pm to bod312
quote:
As the other poster said these things:
quote:
those are few and far between ha. Any ol' sit down dinner we'd probably just rotate on who got the bill. Unless it was for a specific purpose, like me taking her out for her bday or something
and
quote:
there isn't any kind of running tab or checklist it would just depend. In the situation exactly as you described it'd definitely be me since I'd be the one doing all the drinking and eating and golfing.
That all just sounds exhausting.
Exhausting lol. Exaggerate much? We don't keep tally marks in a ledger. It's more so someone will grab their card first, exact same as you do, and they'll get dinner. Then next time the other person will say "oh you got the last one hon I'll grab this one". It's not really that complicated.
Posted on 4/26/23 at 1:57 pm to WG_Dawg
the joint guys seem like a very controlling group. Pushing their agenda on us... I feel for their wives... I hope they arent getting beat.
Posted on 4/26/23 at 2:01 pm to BabyTac
What is considered "RICH" in the US now days ?
Posted on 4/26/23 at 2:11 pm to WG_Dawg
quote:It's just weird. That's how I interact with friends, not my wife.
It's more so someone will grab their card first, exact same as you do, and they'll get dinner. Then next time the other person will say "oh you got the last one hon I'll grab this one". It's not really that complicated.
Posted on 4/26/23 at 3:19 pm to bayoubengals88
quote:you joint people are making me really wonder how all act with yalls significate others...
It's just weird. That's how I interact with friends, not my wife.
Posted on 4/26/23 at 7:05 pm to CarRamrod
quote:
Question.... are you married? if so... and you have a joint account 1 money pot..... you want to buy a thinkamabob, its not very expensive but its not cheap... Its something you have always wanted...And your wife says no.... what do you do?
Yes I’m married. I’m the sole breadwinner and my wife is a stay at home mom. We’ve never had this happen, but I’m sure it will at some point. Not sure what I’d do? I’d imagine we’d talk about why it’s important to me and what objections she may have about it.
Posted on 4/26/23 at 11:43 pm to BabyTac
The "diversity" of the show participants was way over the top. I skipped some episodes. His advice is mostly fine, but he lacks the discipline of the Ramsey types.....which most of these people clearly needed.
Posted on 4/27/23 at 8:49 am to dragginass
I caught a few episodes and consider myself to be a personal finances level 1 but holy shite so much of this show is so much common sense that I was a bit let down that I didn’t hear something eye opening. A lot of these folks are just idiots. That tech account executive is a smokeshow. She’s bringing in good money and I can’t believe how she hasn’t left that deadbeat dad. Also the guy that has an addiction to video games and sneakers… The rich mom is probably the dumbest of all with how much she has been provided and wasted but entertaining show none the less. Maybe it’ll have some actual good info in the later episodes.
but holy shite so much of this show is so much common sense that I was a bit let down that I didn’t hear something eye opening. A lot of these folks are just idiots. That tech account executive is a smokeshow. She’s bringing in good money and I can’t believe how she hasn’t left that deadbeat dad. Also the guy that has an addiction to video games and sneakers… The rich mom is probably the dumbest of all with how much she has been provided and wasted but entertaining show none the less. Maybe it’ll have some actual good info in the later episodes. 
Posted on 4/27/23 at 10:02 am to slackster
quote:
Yes I’m married. I’m the sole breadwinner and my wife is a stay at home mom. We’ve never had this happen, but I’m sure it will at some point. Not sure what I’d do? I’d imagine we’d talk about why it’s important to me and what objections she may have about it.
IMO this convo is really intended for couples where both people work.
If only 1 person works I am not sure how the other one would maintain their own accounts
Posted on 4/27/23 at 10:23 am to CarRamrod
quote:
the joint guys seem like a very controlling group. Pushing their agenda on us... I feel for their wives... I hope they arent getting beat.
How is “what’s mine is yours and yours is mine” controlling?
It would think separate accounts where I deposit an “allowance” every month into her account would be more controlling/creepy.
Posted on 4/27/23 at 11:44 am to hiltacular
Allowance…
Posted on 4/27/23 at 11:47 am to lynxcat
Team “Joint” here…but my wife and I discussed financial topics in our first few dates. I knew it was critical for a potential partner so I didn’t shy away from it.
Posted on 4/27/23 at 11:50 am to slackster
quote:this is a very good reason to have a joint....
es I’m married. I’m the sole breadwinner and my wife is a stay at home mom.
quote:asll assume she says no....no matter what.... yet ou really want this thinkamabob... what do you do? As the bread winner, being you can easily absorb the expense...yet she says no.... do you just not get it because she said so?
We’ve never had this happen, but I’m sure it will at some point. Not sure what I’d do? I’d imagine we’d talk about why it’s important to me and what objections she may have about it.
Posted on 4/27/23 at 11:53 am to Ric Flair
quote:why are you giving her an allowance? that is creepy....
t would think separate accounts where I deposit an “allowance” every month into her account would be more controlling/creepy.
she has a paycheck and so do you, yall do what ever you want as far as bills go and everything left over is each others to do as you see fit.... So why would you be giving her an allowance?
As the poster a few post up pointed it.... this argument is really only for couples where each party has an income.
Posted on 4/27/23 at 12:18 pm to hiltacular
quote:
IMO this convo is really intended for couples where both people work.
If only 1 person works I am not sure how the other one would maintain their own accounts
I'll say it again...It's almost like it depends on the people involved.
I do understand that most people are unable to comprehend that people live differently. It's a skill that must be learned IMO. I learned it growing up at church and then again when I grew up and met different walks of life.
Posted on 4/27/23 at 8:56 pm to ShootingsBricks4Life
Why does Ramit think that a 1% FA fee is preposterous??
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