Stoia

Money as a Couple: Merge, Split, or Both

Pick a money model with your partner (yours, mine, ours), split shared costs fairly, and budget together without the monthly fight.

For couples moving in, marrying, or finally talking numbers.

  1. GuideHow to Talk About Money With Your Partner (Without a Fight)The first conversation, scripted, before any spreadsheet appears.
  2. Course step 11Manage Money as a CoupleThe three merge models and how to pick one without a fight.
  3. GuideHow to Budget as a Couple: Yours, Mine, and OursYours, mine, and ours in practice: allowances, autonomy, one budget.
  4. GuideJoint vs. Separate Bank Accounts: The Three Setups Couples Actually Use (and How to Pick)Joint, separate, or both: what each setup changes legally and day to day.
  5. Free tool50/30/20 Budget CalculatorSet the household 50/30/20 from your combined take-home.
  6. Free toolSavings Goal CalculatorGive the shared goals (trip, house, baby) a monthly price tag.
  7. GuideHow to Split Bills With Your Partner: 50/50, by Income, or All-In (Math on $5,400)50/50, by income, or all-in, with the math on one set of shared bills.
  8. Free toolIncome-Based Expense Split CalculatorSplit every shared bill in proportion to what each of you earns.
  9. Free toolRent Split CalculatorSplit housing fairly when incomes are not identical.
  10. GuideThe Money Checklist Before You Get Married: Debts, Credit, Accounts, and the PaperworkDebts, credit, beneficiaries, and the paperwork to finish before the wedding.

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