How to merge finances with a partner (without losing your mind)

The Finance Girlies

Last week, we tackled the should you merge finances? debate. This week, we’re getting into the nitty-gritty: how to actually do it.

Merging finances sounds simple until you’re in the thick of it and wondering:

• How do we split expenses fairly?
• What do we do about savings?
• Who’s in charge of paying the bills?
• Do we need a joint account? Individual accounts? Multiple accounts?

If you’re feeling overwhelmed by the logistics, we’ve been there. And today, we’re walking you through how to set up a system that actually works for you and your partner.

We’re covering:
🏦 The three ways couples split finances (fully merged, partially merged, or separate)
📊 How to divide bills in a way that feels fair — whether that’s 50/50 or proportional to income
🛠️ The best ways to structure your bank accounts (without making it a logistical nightmare)
📅 How to set up systems for checking in on money and adjusting as needed
📚 Resources to help you go even deeper, including Money for Couples by Ramit Sethi and Smart Couples Finish Rich by David Bach

There’s no “right” way to handle money in relationships—only what works for you. So tune in, take notes, and send this episode to your partner!

🎧 Listen now!

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