How I split finances with my boyfriend of 1 year (who pays for what, prenups, joint accounts, etc.!)
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- Опубліковано 3 чер 2024
- Join me and my boyfriend (plus an adorable cameo from my mom's puppy) as we answer all your questions about how we navigate finances in our relationship! Spilling alllll the tea today 😉
TIMESTAMPS
00:00:34 - First date, who paid?
00:00:52 - Who "should" pay on the first date?
00:03:15 - How did you handle money talk in the initial stages of dating?
00:05:30 - When did you share details of your income/wealth with him?
00:06:23 - How do you determine who pays for what?
00:07:40 - What if you want to do something, but your mate can't afford?
00:08:20 - Any plans for a joint checking account, or always keep that separate?
00:09:40 - How does differences in earnings affect other non-finance dynamics?
00:11:50 - Is it weird for the female to be naturally more money-ambitious than her husband?
00:13:20 - How do you be independent financially while also allowing a man to take care of you?
00:15:00 - Are you ok with dating a guy who makes less than you?
00:16:30 - Have you had to reconcile views around finances? Any tips?
00:17:00 - If he proposes tomorrow, will you do a prenup?
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**BOOKS I RECOMMEND 📚**
I Will Teach You to Be Rich (hilarious how-to book on personal finance for millennials)
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The Little Book of Common Sense Investing (Jack Bogle's classic advice on index funds)
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InvestED (step-by-step, millennial-friendly advice on how to pick stocks like Warren Buffett)
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Unshakeable (this book = courage. blast ALL the fears & misconceptions you have about investing)
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Rich Dad Poor Dad (#1 selling personal finance book of all time... need I say more?)
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Think and Grow Rich (the ultimate book on money mindset and wealth consciousness)
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**MY FAVORITE MONEY TOOLS 🖤**
YNAB (I literally can't live without this budgeting app, so obsessed)
www.youneedabudget.com/?ref=Y...
Wise (like Venmo but for international currencies - I use this app a LOT for my life in Mexico)
wise.prf.hn/l/413jE0q
High-Yield Savings Accounts (don't settle for 0% when you can get 3%+ on your savings)
www.bankrate.com/landing/rose...
Ledger Nano S (crypto storage hardware wallet, because "Not Your Keys, Not Your Crypto"!):
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DISCLAIMERS & DISCLOSURES ❤
This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Investing With Rose is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for your support!
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A lot of the comments about the guys mannerisms is a bit sad. I think we forget there are a lot of cultural differences between Americans and Europeans. Americans (like myself) often feel the need to smile and laugh to seem attractive/likable while Europeans are a little more chill/serious. Don’t know if that makes sense! But be a little easier on this guy! Happy for you Rose!
Its so refreshing seeing a couple like this these days. It seems so rare, thank you for being transparent and honest. I love how you guys do the little and subtle things to show your affection, its really touching
You’re guys are so cute ❤ financial openness is one of the relationship priorities for me 💕 doesn’t matter who makes more but making money build the life you want is important so starting it early is a way to go ❤ I’m happy for you Rose! And the puppy melted my heart 🫠🫠🫠
Thank you for the transparency. ❤ In the past, income discrepancies have caused troublesome issues in my relationships. I am now so much more hopeful that I can overcome this hurdle in the future.
my friend makes less than his wife. but he’ll pay the rent/utilities, car, insurance… and she picks up the rest so at least you can say he provides the basics.
Thank you both for being open and sharing this. I have a close friend who has a great income but is down to earth and humble and her income tends to be an issue with the men she dates as she usually makes more. Best of luck in your relationship! 💜
It's sad but common, even when I outearn my husband we have to really work through how it affects him mentally as he was raised with the "a man takes care of his family financially no matter what" mindset. When I grew up with a "everyone contributes in whatever way they are able " kind of thing. It's not anyone's fault, it just needs to be addressed and hopefully/ideally resolved so it doesn't fester into resentment and show up as sabatoge for both our marriage and my business etc. It can become really triggering to men as past generations are soooo ingrained into our beleif systems and while we can change them, each and everyone of us has to be aware of it, want to address it, and actually work on change. And that sadly just isn't going to be everyone, atleast not at once or even in a generation I don't think but I do hope your friend finds a man that is either self aware and mature enough to appreciate her and continue in his own ways that are also beneficial equally to the relationship. No one should be alone just because they make money, that's quite sad. And a little crazy that it's far more common for a woman than a man but I have to hope that videos like this one with rose and through others sharing their knowledge and experiences etc that eventually this won't be such a large issue and a wide gap between genders. Especially after women worked so hard for financial independence and equality, to be not equal in marriages and the opportunity for happy healthy ones after that is a little depressing honestly. Ok gonna stop procrastinating by commenting on youtube videos, or I hope hahahaahah sending so much love!
I love their respect To each other which shows , their maturity and honesty is beautiful ❤ beautiful couple!
Thanks Rose for sharing. He is a very lucky guy. I followed you for years and you’re awesome person. GL on the future.❤
I respect and adore the transparency in this relationship. Cheers and lots of props!
This was an awesome video!!! Balance is definitely needed in all kinds of relationships, and both of you seemed to be Yin and Yang!
Great Q&A! I think that's a good idea to get a prenup, and it's great you two are able to have open and honest discussions about finances. I wish you both all the best.
LOVED the video. Thank you Rose!
Rose, I think you guys are going all the way, love the transparency, this feels genuine
Really appreciate you guys sharing this. Thank you so much.
Distracted by the absolute puddle of cuteness on your arm!🐶🐾💕
Thank you both for making this video!
I love that you are so open with each other about finance
Thank you Rose! I'm in a similar dynamic in my relationship and it's sometimes hard to decondition myself from societal beliefs that the man should make more money. I want to be more understanding of my partner and all that he contributes to our family and relationship!
Speaking from experience, having always earned more than my partners, I've learned that the only way this type of relationship with huge revenue gaps can work, is if the man feels comfortable in his skin & does not feel inferior to his woman being more successful in her career. I find for women, in my case anyway & as I see Rose as well here, we don't mind the pay gap, as long as we are treated with love & respect.
He’s speaking in his second language-I think they are adorable and wish them all the best!🎉
I appreciate the transparency
Great video! It's not fun talking about money especially if the other person has more, but it's good that you guys are honest to each other and open to talk about it at an early stage of your relationship. That will definitely makes you relationship stronger. Many marriages ended in divorce because of money, and probably because while they were dating they never planned financially, they only realized after marriage that their financial goals are actually different from each other or non-existent.
You two look perfect together! Some of these mean comments are from people who can’t read Europeans! That’s a genuine guy and for him English is a second language. Love that Rose is in love and he clearly is in love with her as well. PLUS He is proud of Rose! Love it! Best of luck to you both ❤
The comments of him being awkward in front of the camera, I feel are unfair. Don’t know how often he’s in front of the camera speaking to an audience, but most people inexperienced to being in front of the camera are not naturals. Rose is an intelligent grown a*s woman. Maybe he’ll become a pro in front of the camera for everyone’s viewing pleasure, but maybe he won’t, and that’s okay. Much luck to you both in your relationship.
someone mentioned english isn't his first language either?? unfortunately, people are too quick to make flash judgements online (myself very much included). i also wish them the best!
I speak 3 languages besides my mother tongue( even if i'm not fluent 100 but at least i can understand and respond to anything ) and if i'm in front of a camera i don't get akward so language it's not an exuse but we can't judge their relationship we don't know what behind the camera
Good video Rose. Wish you both well.
I hope this relationship stands the test of time. Best of luck to you Rose.
u two r so sweet, and definitely showing everyone what a healthy relationship looks like! wishing you both a ton of love and happiness for a very long time 💘
Thanks for your transparency and I thought all the questions being asked were all on point. Thank you! A new subscriber! ❤
Thank you guys 😇
Y'all are a "lovely couple"...and the way you're sharing expenses and handling your collective finances seems very reasonable. You make it look easy...Maybe that's because you're both reasonable people.
🙍🏻♀️+ 🙎🏽♂️= 💝!
So happy for you. You look so happy!❤
Ross, I am glad you have someone to share your life and money with. Please don’t pay attention to the haters.
Dating and being married are completely different. Glad you’ll have this to reflect on later in life. You’ll have those, “what was I thinking” moments.” But that’s part of growing
We need part 2 of this.
Large income gap, large ambition gap.
Are there other large gaps ex: education, friends etc...?
I wish you all the best in life, and remember the person that you marry is not the same person that you divorce.
Also, Rose’s masculine energy is dominant and her bf’s feminine energy is dominant. Not word for word but they basically said it with the traits they described. Which is fine. If it works for them, it works for them. Different strokes for different folks. It would only be a problem if they expected something different down the line.
Happy for you two!
Aww you guys are so cute! Best of luck ❤
Can we just talk about the dog though 😍. Great video Rose. It’s not easy having your partner who does not YT, go on camera. Ignore the haters!
Thanks for sharing!
You guys are wonderful together and balance each other beautifully
Loved it! Would love to see a second part of this! Or more videos with you 2 :D
Love this for you!!!!
This video is so sweet. I enjoyed seeing this side of Rose.
Informative video, but also fun seeing you two interact.
Lovely couple! I think you really balance each other out very well 🙂Sad, how some people in the commend section don't get that, because they are focused on material things to such an unhealthy amount that they are blind for the even more important immaterial things. I like when the guy pays on the first date, but I then usually pay on the second. And I definitly pay for myself if I don't like a guy.
Happy 1st anniversary! 🥂 First date icebreaker.... what is your credit score? 😁 Makeup is skin deep, the true beauty is what’s inside. Chuck the makeup and invest the funds. How is your French learning? Also, you will need a larger van for 2 for your van life road trips. 🙂
What a great video! But I must say, your mom's puppy is the cutest little guy ever! 🥰
Why is everyone not talking about the puppy!!?
Great video ❤
I'm really proud of you Rose but i think this wasn't the best time to have made this video. Let the relationship grow first.
Rose, he seems to keep you steady. Which is seems good for you.
Sweet! Solid! your Boyfriend summed it up perfectly. There are no rules and there are no rules to follow. It's not often you see women date or marry a men that makes less money than them. Most men don't care about a prenup, because for the most part money and richness is not what we look for in women. Some women have such crazy standards that they end up single until the end.
Good luck to both of you.
Best wishes to your relationship. Much success and happiness ❤
You are adorable together!!!
Great video Rose, very healthy and mature conversation that’s needed. Loved every bit of it!
Y'all are super-cute and this is so helpful.
Omg you both are really cute together 🥰 I'm also type A personality and I totally get the attraction to a chill, dependent guy!
we're very compatible, that's for sure :) i did want to clarify though that he's not dependent at all. he's very independent and i'm very independent, and we also depend on eachother for a lot of things.
this puppy's shenanigans throughout the video absolutely made my day 😂
This is interesting to me with the French accent, since I am part Cajun.
Thanks so much for your videos. They are helping me so much.
The two of you just are adorable 😊😊
That puppy is perfect!
You guys are awesome
Ouch these comments lol. I’m happy for you 😊. Hope the best for you two. Thank you for sharing! I can’t wait to see the comments when my girlfriend introduces me to her followers. I have that natural RBF face 😂.
I just wanna know how much does that cute little puppy contribute to your relationship. 😊😍🐶🐕
I love frenchies, so so cute, and love that found yourself one too 😂
Don’t worry because she will teach him how to manage and invest his money. Win win for both. All the best.
Lovely couple 🙂
he's a cool cat . and super cute pup .
Please ignore all of the haters. I loved this video. Thank you for sharing with us because I have wondered about these questions in my own life as well.
Ageeed!!!! Idk why soo many negative people already crawling this video but I'm trying soooo hard to not get into it with all of them but afh. It's like hello. She has a money education channel, this was a wonderful video and very cool of her bf to join in and for them to be so open about things that make most too uncomfortable to even talk to eschother about more or less share and help others. So it makes me so sad to see these idiots talking crap when this is the perfect example of what society needs to get used to being ok with both talking about and hearing as a nornal conversation in general. Money needs to stop being taboo. It's sad too because I'm sure he's just less comfortable on camera as she is but he still did it and they're adorable and helpful and if people don't want to just appreciate it, then ok, don't watch, but if they do and have some type of problem with anything in this video they need to realize it's a problem of their own, not Rose and her boyfriends, at all. Self awareness is lacking in so many still, and money should be a lot more comfortable to talk about otherwise it's no wonder money is such an issue and cause for divorce as well as all of the patriarchal nonsense and gender inequality etc we've been trying to rise out of forever now, but we can't sit comfortable with a couple talking about money like this? That's a big "Hey, take a look inside yourself " red flag for me, if it made me uncomfortable, that's a me problem. I just wish more people would get that or if they won't just don't bother watching a dang video. Sorry rant over just been so fed up seeing some comments these days. Really feels like the world's gotten more and more miserable as a whole because of sooo many negative comments/haters on sooo many channels I watch regularly popping up. :(
I feel the same as a man, I don't feel good if a girl pay for me. 99% I usually pay for it. It has been like this until today.
this puppy is the curest thing I've ever seen
Despite living together in the same household and not officially married, together will fall in the Common-Law after a year (or two). If for some reason you two spilt up, basically the spilt will be like being married. In Canada, it’s one year of living in the same household for Common-Law status.
Idk. I think its tough when there is a huge income difference and the female makes more.
Yeah but I also think it’s only a problem if both parties are assuming traditional gender roles, which in this case, they’re not.
Homie doesnt like the camera get over it! This is a helpful video! Cheers guys 🍺
You guys are such a cute couple! I dated my husband through out high school and college. We have been married 25 years and sure there were times I was the breadwinner! He will tell you nothing is sexier than a woman who knows what she wants! After getting married we got a joint account and emergency account. Everyone’s got their own system! ❤
The dog is so cute 😍 and quite ❤
you guys are a beautiful couple, and looks very complementary to each other,.
Congratulations with your new boyfriend and best of luck to you both. You look very happy and that's a good thing. What does your boyfriend do for a living and where is he from?
Great video
If it works, it works. I don’t care who other people date. Just do what you want for yourself.
Your boyfriend looks so happy
Yeah, I don’t feel that a joint account is a good idea no matter what. I’ve seen and heard from people that went through divorces and before, and even from my own my mom. I would never do a joint account. Also, in my own experience and a few of my female friends’ experiences, after having been with someone who has less money than I do for almost 15 years now, it is not as fun as when I was with someone that had more money than I do, as we would be able to go on trips and have fun. Because, in the end, you’ll always end up having to pay for most things, even when going out, I have to pay my part and sometimes half of our child’s food. If I want to go on a trip, he won’t want to go because it is too expensive, unless I pay for him, of course. So, you end up feeling used. First year in a relationship is always going to be nice. But, after a few years is when things are put to the test. But, I wish you luck in your relationship. I love your videos!
What an adorable puppy! Such a wiggle-worm!
Me and my husband divorced when I started making more money than him. I wish we knew how to manage those issues. Great video!
Such a refreshing, mature, intelligent video!!! THANK YOU Rose!!
The dog is adorable LMAOOOO
It's funny how shy he is... Nice video...
Aww you guys are super cute! 😍
Glad you've bounced back to your confident old self, for a while watching your content felt like a chore when you were going through your divorce, you had stopped talking about personal finance & i had unsubscribed, but I'm glad we can resume regular programming.
You guys are so cute together! I love this; it helps me with relationship financial decisions.
The truth is, most guys don't really care about how much money a woman has. What we're more interested in is how she looks and if she's fun to be around. Even if a girl has a ton of money, if she's not a great person to hang out with, most guys would probably be out. Rose, is Attractive and seems like a fun person to be with. Most guys would likely want to be with her even if she didn't have any money and lived in her car. Women on the other hand,.... well lets just say Rose is a rare find.
I don’t think it matters if there’s a slight income/wealth gap between two but a large one I think just makes you financially incompatible. You might not want to see it but it will make a difference. Rose is a millionaire and no doubt earns at least 250k per year. If this guy earns 50k for example and same net worth (50k), it just wouldn’t make sense. Too big to ignore. It has implications because what Rose can afford, he might not be able to. And if she pays all the time, it will have an impact on him and could create a power imbalance. It already seems like Rose makes most of the financial decisions and that’s a little concerning 😭🥴
What kind of dog is that?? I'm in love :)
So if he was the one that was making more money, would that still be the case and you would get a prenuptial agreement?
wOW Rose your boyfriend video is sure a switch from your other videos. He seems like a good day. And you are lovely too, good luck with him, dont stop doing videos. I am not married, but have joint checking account and savings with my lady. I think if oth parties are honest and share goals that's the best wy to go. Bye dear, Bill Kling
Hey it’s best to invest in *Wild Vest Corps Page* monthly or weekly? I'm thinking the fees will be higher if done weekly.
I don’t think this is awkward! It is very interesting! I love it!! Thank you Rose
He’s charming! I see the chemistry! ❤
Yea in a Ted Bundy sort of way
0:18 best part lol
Rule of thumb, if you invite the girl on the first date you pay. The inviter should pay, the invitee isn’t obligated to pay, but if they want to pay that’s fine.
Lmao yeah but we are expected to be the one to invite get real. I hate when people say that dumb shit. Whoever invites pays lmao women NEVER approach. They make us do all the work. Always.
Is it just me or does this seem kind of awkward? I’m sure they’re good off-camera, but their on-camera chemistry seems unnatural and weird. I’m glad she’s happy though!
you know
they've only been together for 1 year lol
He's probably a bit uncomfortable and just not used to being on camera especially talking about what's not typical for "men" in society in history. But I think he is hilarious and they're adorbs just likely a little nervous. :)
Spot on!
@@rochester3 I get what you’re saying lol. I’m just observing what I saw. I didn’t mean any disrespect by it, but you know some couples are just natural on and off screen. They just seem to be the type that have to get used to it.