Should you merge finances with a partner?
Money is one of the spiciest topics in relationships, and merging finances? That’s where things can get real messy.
Some people believe not merging finances means you don’t trust your partner. Others think combining everything is a fast track to financial disaster. So… what’s the right move?
In this episode, we’re diving deep into:
How we personally handle finances with our partners (full merge? partial merge? separate?)
The morality debate—Is it wrong not to merge? Does separate money mean less trust?
Real stories from couples who merged (and those who didn’t)
The different ways couples can structure their finances — so you can decide what works for you
Plus, we share an anonymous listener-submitted story about how merging finances went wrong — and what they wish they had done differently.
🎧 Tune in now to get the full conversation, and don’t forget to catch next week’s episode, where we dive into the logistics of merging finances!
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Transcript
[00:00:00]
Cassidy: Hello, hello, and happy almost Valentine's day to all the girlies out there. We are talking today [00:01:00] about one of the spiciest money topics in relationships, and that is merging finances. Should you do it? Is it wrong not to? How do you even make it work?
And first of all, let us say that all of these are valid questions, because a lot of us kind of have, like, deep-seated money beliefs about combining finances.
For instance, some people think that not merging finances means you don't trust your partner. Others believe that merging finances is a recipe for disaster and everything in between.
Emily: So we're going to start, I think, by giving a brief overview of how we personally manage finances with our partners. And then later on in the episode, we'll kind of branch outside of those approaches to give you a wider range of ideas.
So when my husband and I got married, we decided to pretty much fully merge our finances. We each had our own credit cards at the time, checking [00:02:00] account, savings account, retirement accounts, and we ended up opening a joint checking account, joint checking and savings account together, and I think we both, like, had some kind of random checking accounts that we'd opened over the years that we closed, just so we were, like, simplifying, so we each had one checking, and then one individual checking, and then one joint checking and savings.
We also have since applied to credit cards where we're authorized users on each other's cards. So we have joint credit cards as well. And, I'm trying to think back to, like, how we came to the decision to merge our finances. Even before we had gotten married, had talked a lot about money and had lived together.
So, we, for a while, were like, taking turns paying for [00:03:00] groceries and, like, splitting other costs and just kind of going back and forth. We had no, like, real system other than we were just, like, trying to keep things pretty equal. We also, like, made the same amount of money, so that was an easy decision to make. But once we got married, we just wanted to make things easier for ourselves and because we had had all of these money conversations and just kind of knew how each other operated around money, we both felt really comfortable doing it. Like we knew debt we did or didn't have. We knew each other's balances and incomes, all of that.
So really it was just for the purpose of making things more simple for us and to just kind of like align on our financial goals. Like, for us it feels so much easier to get our paychecks landing in our joint checking account, and then paying all our bills [00:04:00] from that account, then transferring money from that joint account into each of our separate accounts that we can then spend how we want so we do have that kind of autonomy, but I would say we're like 90% merged and that just works really well for us.
Cassidy: So you all have pretty much merged everything like credit cards, checking, savings, all the things, but you each still have, like, one individual checking account in addition to your joint checking account. And then you, like, sometimes use it, but a lot of times don't? Is that, yeah.
Emily: Yeah and like, I would say I think more about, like, our budgeting approach when I think of how we've merged our finances more than like the specific accounts. Like yes, I have an account with just my name on it, but that feels kind of irrelevant. What we really do is like we pool all of our income and it's all ours. Then we each, you know, every month take like an equal amount of [00:05:00] money that is, like, designated within our budget for like my individual spending, his individual spending, regardless of, like, what account it's in, if that makes sense.
Cassidy: Yeah, yeah, that does make sense. It's like, you're going more based off your budget than, like, where the money is actually sitting.
Emily: Right.
Cassidy: In an account, yeah.
Emily: And yeah, I mean, like the logistical reason behind that is like, our joint checking account is actually a high-yield checking account. So like, I don't know, it's like, nicer to get a little bit of extra cash on that. Why not? I do think I want to have a bank account that just has my name on it. Just feels like an easy kind of safeguard to have, even if I'm not using it all the time.
Cassidy: I love that.
Emily: So what about you?
Cassidy: So the short story of it is we have completely merged finances. Like, everything is combined. So a little bit of backstory. I was taught growing up that, like, when you get married, you become one person and therefore you combine everything. Like, there is no other [00:06:00] option, no other way. So that's what I did when I got married at 21, like, kind of blindly.
I was just like, this is the way you do it. So, done. And didn't think twice about it. Now, fast forward to age 31, I feel so incredibly lucky because my spouse is like, just as dedicated to like, saving money and building wealth as I am. If anything, I'm the spender in our relationship, which is kind of funny because I've spent years trying to untangle this, like, frugal mindset that I had for a lot of my early adulthood.
So I feel very fortunate and like I got very lucky in that regard because it could have gone any type of way because we did not have a conversation about it or anything like that. But then again, just dating someone, like you kind of pick up on are they good with money? You know, are they not, if you are having those conversations.
So, when we got married, we each had a checking account, a savings account, and one or two credit cards each. I already banked with Ally Bank, which is [00:07:00] who we still bank with today. I already absolutely loved them. So we just added my spouse to my account. So I pretty much turned those accounts from individual checking and savings accounts into joint checking and savings accounts just by contacting the bank and having them add him to them. And then he closed out his checking and savings.
And then for our credit cards we just added each other as authorized users. So like, he became authorized users on my card, I became an authorized user on his card, then over the years we have since gotten more credit cards, and usually whenever we do that, we just kind of check and see who has the higher credit score at the time, and then a lot of times that person will apply for the credit card and then add the other person as an authorized user.
And so we've just kind of traded off credit cards like that in that regard, but everything is completely combined.
Emily: Hmm. It's interesting that you grew up with that mindset that when I get married it will all be combined. I don't think I ever really thought [00:08:00] about it beforehand. But looking back, I got married before several of my close friends, and a lot of them still haven't completely merged finances or maybe don't even plan to, so it is interesting just like to yeah, hear how everyone does it and like how they think about it because it really can vary.
Cassidy: Yeah, I also and this is gonna sound like a blanket statement and I don't mean for it to be but I feel like the younger you are when you get married like you just have less of a financial life set up. So a lot of times it's easier to just, like, merge everything. But I could see a world in which, like, you have been an established adult managing your finances independently for years and years and years and years, and like, you have all these accounts, all of these cards, all of these whatever, and then it just becomes inherently more complicated to merge everything, so it's like, even if you're open to it, you're just kind [00:09:00] of hesitant to, because you're like, I have this system that's proven to work for me,
Emily: Yeah,
Cassidy: I’m just gonna leave it.
Emily: Yeah, that's a great point. I, yeah, when we got married, neither of us had a ton of money or assets. And so it was not very complicated.
Cassidy: Same.
Emily: Or like, I would also say neither of us had like a super buttoned-up like system for managing money.
Cassidy: Mm hmm.
Emily: Like we both were definitely conscious about money and, like, had done our own learning about various things and so we're on the same page that way, but, yeah, it, I will say, like you, it was very simple, logistically.
Cassidy: Yeah, for sure. And then you kind of figure it out, like, how do we actually put a system in place? Like, you figure that part out together.
Emily: Right, right.
Cassidy: Yeah, okay, this does lead me to my next point, though, and that's kind of this morality debate of like, is it wrong not to merge [00:10:00] finances when you get married?
And I specifically wanted to bring this up because if you are like me and you grew up in church, you probably grew up hearing the Bible verse, “When a man and woman come together in the bond of matrimony, they become one flesh,” like that whole situation. And like, as one, you combine everything which is just funny.
If you grow up hearing that verse and then you feel at all hesitant about merging finances with someone, then everyone is like, well, something is wrong. Like, this signals a lack of trust in your relationship. Like, you're not fully committing yourself to the other person like you should.
And then you're just like, am I wrong to feel this way? Like, am I wrong to not want to fully merge finances with this person? But the truth is, there are so many examples of people in very healthy relationships who do not merge finances.
And our take, mine and Emily's, is that there is no wrong or right answer here as to whether you should or whether you should not. I will say that it is not wrong to [00:11:00] not merge your finances if you don't want to. It's 100% about what works for you as a couple. And that can look like a lot of different things, and that's kind of what we want to walk you through today.
Emily: Yeah, I would say it's about what works for you as a couple and what works for you as individuals as well.
Cassidy: Yeah.
Emily: To, to share some other experiences, because Cassidy and I are just two people. We have pulled some entries. What do you call these? Posts?
Cassidy: Yeah, we kind of scoured Reddit for some thoughts on how other people do the whole, like, combining and merging of finances, and we wanted to read some of them to you.
Emily: I'm gonna leave the names out.
Cassidy: Okay.
Emily: Okay, this user says, “We chose not to combine. We have complete views of the other's accounts, but decided to keep them separate with one joint account for the mortgage and other large purchases. This helps us minimize financial conflicts. As long as savings goals are met, [00:12:00] your money is yours to do with as you wish. It takes a bit more work, monthly meetings mostly, but I really treasure that time together. It's been working really well for five years and we have no plans to change it.”
Cassidy: And then someone in this same thread raised the question to this user, “What if one of you takes a pay cut to stay home with the kids? Like can't that get tricky?” And so that same user then responded, “We decided very early on that if one of us cannot or does not make a livable wage, finances are combined. For most of our marriage, we've made within $30,000 of each other. So one just pays a little more of the daily expenses to account for the extra salary.”
Emily: Another user says, “We have a joint checking account that both of us deposit our full paychecks into, then each of us has a separate account that we are both on but only one uses, that we automatically transfer an equal amount of money every month to use as fun money. We use the personal accounts if we want to go out with a friend, or buy a new video game, or something else unnecessary for ourselves, but otherwise, every expense is [00:13:00] shared and paid from the joint account. And any savings go toward a joint savings account. It works well. We're married, so our finances and bills are shared, but having separate allowances means that we each get to splurge on something that the other thinks is a waste of money without any argument.”
Cassidy: And then another user who did fully combine finances with their spouse left a comment saying, “My ex lacked financial discipline and was making us go broke because of it. Had we never joined accounts, they never would have been able to spend the way they were.” And so they were just kind of providing the flip side of, what can happen if you do merge finances and maybe doesn't go as planned.
Emily: Yeah. Yeah. So let's chat quickly about the logistics of merging finances. As we've already implied, there are many ways to do this. But I think there are like three primary models, I guess you could say um, you can use to merge your [00:14:00] finances. So the first, if you do want to merge finances with a partner, the first strategy you can use is to merge everything. So essentially you would have one joint account, one joint checking, one joint savings, and all of your income goes into the same pool. So like Cassidy, that's kind of the approach you. And then you can do a partially merged structure, which within this category, I think there are a million ways to do it. And we've kind of heard a few of those.
Cassidy: Yeah.
Emily: So this could look like having one joint account for shared expenses, and then each partner keeps their own individual separate accounts for personal spending. And then finally, you can keep everything totally separate. So, each take responsibility for individual bills or I suppose you could split each bill or according to some proportion based on your income.
But essentially each person is managing their own [00:15:00] money and, using their own individual accounts.
Cassidy: Yeah. So let's quickly go through, like, the pros and cons of each of these approaches. So let's say for option number one, you're going to fully merge your finances. The biggest pro is that it's easier for shared goals. All of your money is going into one pot. All of your expenses are flowing out of that same pot. So there really is no like trading money back and forth. But it can create a lot of tension if you both have different spending habits or different ideas for how you want to use your money. Um, as someone who does have fully merged finances, I will say another thing that can get tricky is that gift giving becomes really hard because if all of your accounts are 100% combined, it's really hard to surprise the other person with a gift without them ultimately seeing that transaction, especially if you are taking your shared finances a step further by like, also budgeting and reviewing your transactions once a week or [00:16:00] something like that. That has been like the stickiest part for us personally.
Emily: Yeah, quick question. Like, I think for this to work the best, you, you have to like, be very clear about your goals as a couple, and, I suppose your individual goals too, but yeah, how, how have those conversations gone for you guys, like, when you're thinking about, okay, what do we want to be saving for in, like, one year, five years, ten years?
Have you ever, like, disagreed on those kinds of things?
Cassidy: We honestly have not disagreed on it, and I think the conversations for us usually come up very organically. And I think part of the reason why they come up so organically is because I write about finance for a living. So a lot of this, especially early on was me, like, writing an article on something very specific, like the advantage of maxing out your retirement [00:17:00] accounts every year and like how that can lower your taxable income.
And then I would go to Cody and be like, I just learned this really cool thing today. I think maybe instead of putting a lot of money in a joint investment account, which is what we were kind of doing at the time, which has no tax advantages, I was like, maybe we should change and focus on maxing out our retirement accounts every year.
So like, that's one example of how that naturally came up. I think another thing, too, and Emily, I know you mentioned this in our, like, New Year's review episode, but just sitting down at the beginning of the year and being, like, how much money did we save last year? How do we feel about how much money we saved last year and what we saved for, what we spent money on? Is there anything that we want to change in the, in this new year, like, are there new goals we want to focus on? Just having those proactive conversations can really help make sure that you're on the same page. And honestly, that's what's worked for us, for like, almost 10 years now.
Emily: Yeah. I do the same exact [00:18:00] thing. When it comes to, like, writing articles on financial topics all the time, I'll, I'll do the exact same thing and be like, hey, there's something I learned about today. I think we should talk about this. Which is really handy.
Cassidy: Yeah, but I think you could even do the same thing if it's like, I listened to this podcast, wink, wink, unintentional plug, or I read this book or I read this article and just approach it as like a really cool thing.
Emily: Yeah, and I definitely did that before I started writing in the finance space, too.
Cassidy: Yeah.
Emily: I think what we were just talking about applies quite a bit to the second approach, which is partially merging your finances. So, like, on the positive side you still have to get really clear on your goals and, like, financial priorities as a couple, which I think is really important, regardless. But unlike fully merging your finances you kind of have a bit [00:19:00] more autonomy and independence from your partner. And this can come in handy in a lot of different situations. I think like, even as simple as what you were saying, like gift giving um, like if you want to surprise your partner, some people just like, I think want to spend money on what they want without anyone like judging them for it, not to say that, you know, your partner would make fun of you, but just to like spend their money and not have somebody like seeing the transactions and, you know, making some judgment about it. So that's another pro I would say. Biggest con is definitely all of the kind of initial thought processes and like, conversations you have to have to set up a system that works for you. And obviously you can change it as you like, work together and find out what works best. But I do think it requires a lot of upfront [00:20:00] work.
Cassidy: Like, you need to make sure that you are communicating regularly about what you're doing. Quick side note. I have a confession to make to you.
Emily: Ooh.
Cassidy: I really like the partially merged finances where like 90% of it is combined but you do have a separate account just for spending even if you and your partner have completely agreed this is exactly how much we will transfer to that separate account every single month. But like, what you do with that money is completely yours. I love this approach, and I don't even have a reason to love it as much as I do. Other than the fact of, I think, that I, like, I've always just had a little bit of a fear of being judged. And I'm sure that's something a lot of people can relate to. And I know that my partner is not judging me for my expenses, but I do automatically feel like because I am more of a spender than, than he is, like, even, even though we are [00:21:00] agreeing, like, this is your fun money. You can use this fun money for whatever you want. I will be honest with you, every single month I use 100% of my fun money. There is not a dime left at the end of the month. Cody has not used his fun money in well over a year. He has, like, thousands of dollars sitting in that category because he, just, like, does not want to use it for anything.
And even though that is well and fine, there is a little bit of me that still feels guilty for being like, I’m using my money. And I think if it was in a separate account, I would be like, buy that hundred dollar, like, those hundred dollar worth of clothes. Like, go to Ulta and spend that $50. Like, do whatever you want, girl. That's your money. And I do that anyway, but there's also this little nugget in the back of my head that's like, am I being irresponsible?
Emily: Yeah, yeah. Yeah, that is interesting. I had a thought. Oh, I was gonna say, I would say of the two of us, [00:22:00] I am more the natural saver. But, I don't know, I'd say it's pretty equal. But anyway, I also do most of the shopping, like, for the household. I'm the one doing the grocery shopping, because I kind of like it, and he hates it. And like, you know, pick up, like, the household things, too. And if I get, like, I don't know, some, like, holiday candle with a grocery load, part of me is like, you know, cause that's coming out of our joint account. I feel kind of like, I have to mention, not that I have to, but I always mention it, like, oh, I got this candle, it was on sale, or like…
Cassidy: Yeah. Yeah.
Emily: Or like I thought we really needed a new, you know, something or other. He never cares. It's like, I'm just, it’s this weird thing where I'm like, I feel like, cause it's from the joint account, I need to like justify.
Cassidy: Yeah. Yeah. That's my point. I am with someone who truly does not care, and I feel this way. Therefore, I could not imagine if I was with [00:23:00] someone who did care, I would be like, I need that separate account for sure.
Emily: Right. And then the one thing that I didn't mention, but I think it's worth mentioning is like a, as a pro of the partially merged finances is if some horrible thing ends up happening I don't know, for some reason you need your own account, it can be helpful to have a bank account with your own name on it. I mean, people do crazy things. Just to like, have a safe account that no one else can access. I think for some people can be super beneficial.
Cassidy: Mm hmm. Yeah, like you, you'd see like all the, the memes and stuff of people being like, I went over to my grandma's house and she slipped me a $20 bill and was like, don't let your spouse see this. Like, keep this just for you in case you ever need it. Cause especially that generation group where like, they did not have an option whatsoever to have things separate.
Like you had to have a bank account with a man's name on [00:24:00] it. But yeah, I think, it's always a good thing to have, just in case, because you truly never know.
Emily: Right. And then, so that brings us to the last approach, which is completely separating finances. Um, I think the pros of this approach, kind of what we're already talking about, like if you have been managing your own money for a long time and have a system that works really well for you this can just be the easiest route in some ways and gives you a sense of control and autonomy over your finances. But on the flip side, as a con, like, I think it can feel really transactional if you don't have, like, intention behind how you're splitting things and who's responsible for what. And I think a lot of people just like fall into this approach without thinking it through. Like I mentioned, I have friends who are married or getting married and like, they're just kind of, not to say like struggling with managing their finances, but it's almost like they just kind of [00:25:00] ended up where they are and like, things are a little more complicated than they have to be, I think, because they didn't take a intentional approach to maintaining separate finances.
Cassidy: I would imagine even if you were in this position where, like, you wanted to merge finances, but everything was still 100% separate, and you were just, like, Venmoing each other back and forth, like, here's your half for groceries, here's your half for rent, here's your half for this, like, week in and week out it would feel exhausting and very transactional, like you said.
And also, if you did not know how you wanted to move forward to partially or completely merge finances or how to do that or what that would look like All of that unknown would still keep you stuck swapping those transactions week to week because even though it's tiring it feels better than, like, trying to figure out the unknown part, you know.
Emily: Right, yeah.
Cassidy: Which, plug for next week's episode, [00:26:00] we are going to get into the technical piece of, if you decide you want to partially or completely merge finances, what does that look like? We will get into that technical aspect. So tune in next week for that. But yeah, I could, I could see how you would just keep swapping transactions back and forth. Yeah.
Emily: Well, I mentioned to you when we were planning this episode, like a couple of my friends who are a couple were visiting last summer, and they had kind of like, gotten out of balance with their paying each other back, essentially like, splitting of bills. And so one of them owed the other one like a lot of money, and they weren't, it was kind of like a funny thing to them too. They were not like, worried about it. But so the one who was owed money kept, like, charging the other person, like, hey, I, I'm going to buy this thing, like, well, you're going to buy it for me because you owe me like hundreds or thousands of dollars. So like, yeah, that's an example of how [00:27:00] even if you have a great relationship and are able to talk about money, it can be a pain and like a chore, I would say.
Cassidy: Yeah. And all of that said, the, the pain and, like, the chore-ness of it may still be worth it if there are several, like, red flags that have you thinking, man, I am very, very hesitant to even partially merge finances with this person, no matter how much you love them and want to be with them. That is a valid concern and valid reason not to. So for this next part, we are going to walk you through a few of the red flags for emerging finances may not work. And there are going to be more, of course, but one of the first ones that comes to my mind is a lack of transparency. If one partner is hiding purchases, has secret credit cards or debt that you didn't know about, you found out about this stuff accidentally, whatever it [00:28:00] is if there is a lack of transparency that is leading you to believe that maybe you do not want to completely or partially merge finances with this person, that could be a red flag.
Emily: For sure. Another one would be, like, uncontrollable spending or runaway credit card debt for, no good reason. And I will say, we kind of, were talking about this. There are times when you may have to go into debt or your partner may have to go into debt and spend a lot of money. Like, emergencies happen, things happen, people lose their jobs. But I think the distinguishing factor is here is like, if there's no good reason for uncontrollable spending or crazy amounts of consumer debt, that would be a red flag to me.
Cassidy: Yeah. For sure. Another one is if your partner believes that since they earn more money, they should control the financial decisions and they leave you without a say, or if one partner is limiting [00:29:00] your access to money or would limit your access to money if your finances were merged. That is another red flag.
Emily: And then one that's, like, maybe a little less blatant, but it's still something to think about is if your partner lacks financial boundaries. So like, for example, maybe they have like a family member who is struggling and, your partner, can't stop giving them money, like, just kind of without any boundaries even, if that family member, is, like, breaking promises or isn't, like, using it how they said they would, that kind of thing, if your partner is unable to set up boundaries around their finances that could be a red flag.
Cassidy: Mmmhmm. And I think a key part of this too is you have communicated and reached a mutual agreement so you thought as to like what you were or weren't going to do in this situation and they have stepped over that boundary and done something else that you two did not agree on. [00:30:00]
Emily: Yes. Yeah. I mean, obviously, if you want to help a family member, there's nothing wrong with that. But, yeah, doing it behind the other person's back or in a way that's different from how you agreed, like you said, would be a red flag there.
Cassidy: Yeah.
Emily: I'm excited for this next part. We have a story from a listener, from a friend, a friend of a friend.
Cassidy: Mm hmm.
Emily: That Cassidy is going to share.
Cassidy: Yes. So this person merged finances with someone and did not have the best experience and was willing to share their thoughts. So I'm going to read off what they submitted. She says, “When my new husband and I combined our bank accounts and finances, I believed it was what a couple was supposed to.
It was a sign of unity and trust in our marriage. However, I soon realized how different our spending habits and financial philosophies were. While I was naturally frugal, he didn't mind spending on [00:31:00] fun and convenience. Don't get me wrong, I enjoyed dining out, I enjoyed upgrading our home and new appliances, and I enjoyed traveling, but I also felt guilty because I knew we were sinking further into debt.”
And just a side note, this is an example of that, like, runaway credit card debt Emily was talking about. So she goes on to say, “Since he was the one managing the bills, I remained unaware of just how much credit card debt we had accumulated until I finally asked to review our finances together. That moment was a wake up call.”
“Looking back, I wish I had known it was completely fair for me to maintain my own bank account while still contributing to shared expenses. If I had, I would have protected my financial independence and enjoyed occasional splurges without feeling guilty. I'm grateful I've since learned how to budget because it's allowed me to achieve financial wellness and confidently live within my means.”
Emily: Oof. Yeah, that's tricky. Like, the fact that [00:32:00] this person felt like it was not even an option to maintain separate finances because it was somehow wrong and would like, take away from the marriage. Yeah, that's. That's hard.
Cassidy: Yeah, and I will go on to add some context to say that this person is no longer married. And I know one of her fears, because she was with someone who primarily handled the finances and also accumulated debt in the process, she was so scared and concerned about being able to manage her money on her own. Could she do it? Would she be financially secure? Could she avoid going into debt herself? And it has been years, and she is doing excellent. Like, she is so much more, like, financially sound and prepared and I am very proud of her.
Emily: That's great. Yeah. I think for dumb reasons, there's like, you know, the stereotype that like men are, the ones who manage the [00:33:00] money and because they're good at it, but that ain’t true.
Cassidy: Lies! Lies!
Emily: So I think what we want to illustrate with this episode is that there's no one right way to manage your money as a couple and every couple is different and has different goals and priorities and histories and situations. So really it's about coming up with an approach that works for you.
Cassidy: And I like what you said at the beginning of the episode, it's about what works for you as a couple and individually.
Emily: Mm, yeah. Yeah, and like, I think what's most important is being able to communicate about whatever approach you decide to take because things are gonna change, someone might lose a job, life circumstances change, and so just being able to communicate about those things when they happen is, gonna make all the difference too.
Cassidy: I also really liked the very first [00:34:00] Reddit comment that you read off where that person was like, we have separate things, but we decided early on that if one of us ever lost our income or was no longer able to contribute, like, we would immediately merge. How cool is it that that person had the forethought to be like, I'm going to have this conversation with my partner and we are going to decide what we will change if our finances change.
Like, bravo, bravo.
Emily: Yeah, that's a great point. Planning for multiple outcomes and scenarios, I think, is, like, one of the best ways to set yourself up well financially, because you don’t know what’s going to happen. But like, having backup plans and backup systems for all these different situations is never a bad thing.
Cassidy: If you do decide that you want to merge your finances or are just curious about what it would look like, tune in to next week's episode where we are going to dive into the logistics of merging your finances.
Emily: See you then!
Cassidy: Ta ta!
