{"id":3988,"date":"2021-02-11T16:04:45","date_gmt":"2021-02-11T15:04:45","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=3988"},"modified":"2023-02-23T14:10:07","modified_gmt":"2023-02-23T13:10:07","slug":"couples-saving-and-investing","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/couples-saving-and-investing\/","title":{"rendered":"Saving and Investing as a Couple \u2013 Details People in Love Should Take Seriously"},"content":{"rendered":"\n<p><em>Jump to a section:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#avoid\">Avoiding Messy Breakups<\/a><\/li>\n\n\n\n<li><a href=\"#belly\">Are Belly Butterflies Enough?<\/a><\/li>\n\n\n\n<li><a href=\"#basics\">Money Management Basics<\/a><\/li>\n\n\n\n<li><a href=\"#part-a\">Part A &#8211; Saving and Investing as a Couple in a Committed Relationship<\/a><\/li>\n\n\n\n<li><a href=\"#part-b\">Part B &#8211; Saving and Investing as a Married Couple<\/a><\/li>\n\n\n\n<li><a href=\"#save-invest\">How to Save and Invest as a Couple<\/a><\/li>\n\n\n\n<li><a href=\"#conclusion\">Conclusion<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"avoid\"><strong>Avoiding Messy Breakups<\/strong><\/h2>\n\n\n\n<p>When Lawunmi met Josh, she really believed she had met \u201cthe one\u201d. She was quick to fall in love with him because he ticked most of what she had written on her list, but months down the line, things started to change. One of Lawunmi\u2019s \u201cdeal breakers\u201d was for her partner to be very financially stable and knowledgeable. She had dreams of saving and investing as a couple and that required a partner who was very driven and wise with money but Josh was more laid back about the subject.<\/p>\n\n\n\n<p>Arguments after arguments occurred. Just 10 months after being together, they both agreed to end the relationship because they couldn\u2019t meet in the middle when it came to managing their finances. Their story is not unusual. However, many people, instead of agreeing to part ways like Lawunmi and Josh, continue to patch things until things end in a very bad and messy breakup.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"belly\"><strong>Are Belly Butterflies Enough?<\/strong><\/h2>\n\n\n\n<p>According to <a href=\"https:\/\/divorce.com\/top-10-reasons-marriages-fail\/\" target=\"_blank\" rel=\"noreferrer noopener\">Divorce.com<\/a>, financial problems make the list of the top ten reasons marriages fail. These financial problems can be debts, budgets and spending habits, but they could also be a lack of communication about these issues. \u201cEveryone has financial issues concerning bills, debts, spending and budgets. How a couple of deals with those issues can make or break a relationship.\u201d<\/p>\n\n\n\n<p>There\u2019s so much about money people in love don\u2019t talk enough about, the belly butterflies can be distracting. That\u2019s why we\u2019re sharing this guide with you. See it first as a personal finance guide and then a guide for saving and investing as a couple. This is because when you\u2019re able to learn the basics of money, saving and multiplying it as a duo will become easy.<\/p>\n\n\n\n<p>We\u2019ve divided this into two parts. The first part is for those \u201cin a serious relationship\u201d or engaged couples while the second part is for married couples. There are, however, universal lessons in both parts of this guide. Even the \u201cGod when\u2019s\u201d will benefit from this.<\/p>\n\n\n\n<p>One thing is sure though, by the time you\u2019re done reading, you\u2019ll want to share this with not just your partner, but your friends as well.<\/p>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-639375 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/what-is-commodity-exchange\/\">What Is Commodity Exchange<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2024-03-20T12:38:05+01:00\">March 20, 2024<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/what-is-commodity-exchange\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2024\/03\/COWRYWISE-COMMODITY-EXCHANGE.png);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/how-to-invest-in-futures\/\">How To Invest In Futures<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2023-03-22T16:26:00+01:00\">March 22, 2023<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/how-to-invest-in-futures\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/Investing-in-futures-scaled.webp);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"basics\"><strong>Money Management Basics<\/strong><\/h2>\n\n\n\n<p>A relationship is only as good as the individuals in it.&nbsp; When individuals in a relationship practice the best money habits on a day-to-day basis, it will result in little or no financial friction. We\u2019ve put together these three basic steps to help you:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-self-appraisal\">1. <strong>Self-Appraisal<\/strong><\/h3>\n\n\n\n<p>It begins with knowing exactly where you are right now and being truthful about it. Do a self-appraisal and ask questions like: How much have I made in the past six months? Where exactly did that money go? Did I budget and stick to the budget? What do I spend most of my money on? What are my best and worst money habits right now? How can I get better at the good and limit the bad habits? Where do I want to be in the next six months with my finances? What do I need to do to get there?<\/p>\n\n\n\n<p>Notice how these questions have \u201cI\u201d in them. It\u2019s because the first step if you want to do things right when saving and investing as a couple is by working on yourself. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-taking-control\">2. <strong>Taking Control<\/strong><\/h3>\n\n\n\n<p>The next \u201cI\u201d phase is to take control. Now that you know where you are, what are you going to do about it?<\/p>\n\n\n\n<p>You can log into your Cowrywise account right now to have a feel of how you\u2019re doing with your money, using <a href=\"https:\/\/cowrywise.com\/blog\/money-badges\/\">badges<\/a>. They are a simple way to know your money moves and the more badges you\u2019ve unlocked, the more likely it is that your money game is strong.<\/p>\n\n\n\n<p>Taking control also means taking specific actions. After answering the previous questions, it is time to walk the talk. For example, if you\u2019ve found out that you spend most of your money on data or clothes, to limit it, you have to set boundaries. You can do a \u201cNo new dress\u201d challenge for three months or cap your data spend at a specific amount per month.<\/p>\n\n\n\n<p>It\u2019s like setting money goals, just ensure that they\u2019re SMART \u2013 Specific, Measurable, Attainable, Relevant and Time-Bound.<\/p>\n\n\n\n<p>You can only multiply what you measure. Now that we\u2019ve covered measuring your current personal finance state, it is time to multiply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-building-wealth\">3. <strong>Building Wealth<\/strong><\/h3>\n\n\n\n<p>Whatever stage you\u2019re at, you can begin to multiply money by building wealth. That\u2019s why it is called \u201cbuilding\u201d. It takes time but the more you put into it, the more it yields results. Part of taking control of the now is building for the future.<\/p>\n\n\n\n<p>People often make building wealth more complicated than it really is. There\u2019s a simple step you can start to follow from now.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Make money<\/li>\n\n\n\n<li>Save immediately you get your income<\/li>\n\n\n\n<li>Budget the rest<\/li>\n\n\n\n<li>Stick to your budget<\/li>\n\n\n\n<li>Limit debts (except in cases where the Debt a.k.a Loan has the power to make you more money)<\/li>\n\n\n\n<li>For best results, live below your means<\/li>\n\n\n\n<li>Splurge when you need to \u2013 It is important to enjoy life (but this should be budgeted for as well)<\/li>\n\n\n\n<li>Become very knowledgeable about money<\/li>\n\n\n\n<li>Multiply or increase your income<\/li>\n\n\n\n<li>Start investing and building assets over liabilities<\/li>\n<\/ul>\n\n\n\n<p>Now that we\u2019ve covered the basics of personal finance, let\u2019s break down some essentials for saving and investing as a couple in a committed relationship.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"part-a\"><strong>Part A \u2013 Saving and Investing as a Couple in a Committed Relationship<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"expense-control\"><strong>Expense Control<\/strong><\/h3>\n\n\n\n<p>People in love usually hand over their \u201cmumu button\u201d to the other person and that\u2019s understandable, but there should still be some kind of limit. This might sound like a boring tip but you can add your partner\u2019s name to your monthly budget. That way, you have an idea of how much dates, gifts and surprises will cost. This actually doesn\u2019t limit you but can set you up for more bliss and happiness in your relationship. You also can plan way ahead for special days and not have to go broke in order to cater to this special person.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"openness-before-saving-and-investing-as-a-couple\"><strong>Openness<\/strong> Before Saving and Investing as a Couple<\/h3>\n\n\n\n<p>Are both of you willing to have periodic discussions about money? This is crucial, especially if you intend to get married or start a family in the near future. Be open about income, daily money habits, guilty pleasures, debts, and wins \u2013 all of it!<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f7fc\">Learn more on <a href=\"https:\/\/cowrywise.com\/blog\/money-in-relationships\/\">How to Discuss Money in Relationships<\/a>. Money talks shouldn\u2019t be awkward. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"money-awareness-becoming-knowledgeable\"><strong>Money Awareness (Becoming knowledgeable)<\/strong><\/h3>\n\n\n\n<p>Discussing money together is a step in the right direction. Beyond this though, it is important for both parties to become knowledgeable when it comes to finances. This is a lifelong process so having only one informed person in the relationship is not healthy. Instead, both parties should stay conversant and grow together.<\/p>\n\n\n\n<p>Imagine your partner losing money to scams or Ponzi schemes because they \u201cdid not know\u201d. Painful right?<\/p>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-892048 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-2020\/\">Market Slice: Mutual Funds in 2020<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2021-01-14T12:06:07+01:00\">January 14, 2021<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-2020\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/01\/top-mutual-funds-2020.png);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/personal-finance\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Personal Finance<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/build-wealth-in-your-20s\/\">How To Build Wealth In Your 20s<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2022-09-12T22:28:28+01:00\">September 12, 2022<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/build-wealth-in-your-20s\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/How-To-Build-Wealth-In-Your-20s.jpg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"personal-development\"><strong>Personal Development&nbsp;&nbsp;<\/strong><\/h3>\n\n\n\n<p>As Damilola Hassan, the MD of Meristem Trustees Limited mentioned during a \u2018<a href=\"https:\/\/cowrywise.com\/blog\/financially-planning-new-year\/\">Simplified by Cowrywise<\/a>\u2019 session, it is important to \u201cinvest in your <em>total you<\/em>. Be a financial investor but go beyond that to invest in relationships and your personal development.\u201d<\/p>\n\n\n\n<p>Both parties should invest in each other\u2019s mental, emotional and physical well-being. A wholesome person has a better chance to manage money in the relationship, than someone battling with many struggles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"long-term-discussions\"><strong>Long-term Discussions<\/strong><\/h3>\n\n\n\n<p>Be brutally honest about the short term and optimistic and confident about the long term &#8211; Reed Hastings<\/p>\n\n\n\n<p>It is hard to think of any decision that does not involve money at all. So whether you and your partner know it, you\u2019re already making daily decisions that can positively or negatively affect you both in the long term.<\/p>\n\n\n\n<p>Now is the time to pause to take note of the things you want to discuss with your partner.<\/p>\n\n\n\n<p>Are you both willing to get married? When? Will you have children? How many? Will you eat out often or make more home-cooked meals? Who will cover what in your home? Will expenses be split into two or will it be split into percentages that consider each person\u2019s income? Will travel and vacation be a big part of your lives? Will there be constant date nights?<\/p>\n\n\n\n<p>There are so many questions that we cannot exhaust but these can guide you on the long-term money discussions you should not overlook. Some of these questions might not look like money discussions but when you look closely, you\u2019ll see that they are.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"deal-breakers\"><strong>Deal Breakers<\/strong><\/h3>\n\n\n\n<p>Similar to discussing long-term goals, also discuss deal breakers.<\/p>\n\n\n\n<p><em>\u201cDeal-breakers in relationships are the things that will cause you to call it quits \u2014 no matter how long you&#8217;ve been together. Some common deal-breakers include a partner&#8217;s stance on having children, a lack of responsibility with money, or a lack of ambition.\u201d<\/em>&#8211; <a href=\"https:\/\/www.insider.com\/deal-breakers-relationships-dating-experts-2019-11\" target=\"_blank\" rel=\"noreferrer noopener\">Insider.com<\/a><\/p>\n\n\n\n<p>Will you be okay if the other person decided not to work anymore? Can a partner decide that the other should not work? What happens if one person gets an opportunity that requires the other to move? Are you fine with long-distance? Will relatives be allowed to live in your house? Are you allowed to cater to the needs of external family members?<\/p>\n\n\n\n<p>Of course, speaking about deal breakers beforehand does not guarantee that the other party will never change their mind. However, it does help to know where they stand right now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"part-b\"><strong>Part B \u2013 Saving and Investing as a Married Couple<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-married-millennials-on-their-most-important-money-values-as-a-couple\"><strong>4 Married Millennials on Their Most Important Money Values as a Couple<\/strong><\/h3>\n\n\n\n<p>We asked 4 married people their most important money values with their spouses. Even though they do not know each other, their answers are similar and everyone can learn from them.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"oyindamola-married-in-2020\"><strong>Oyindamola \u2013 Married in 2020<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Honesty<\/strong> &#8211; You need to be truthful about your financial weakness so the other person can be your strength. Are you a person who can spend your last money on shoes? Or are you one who can\u2019t stand to see someone in need without giving?<\/li>\n\n\n\n<li>Planning &#8211; What are our financial plans? Savings? Investments? How much do you want to set aside monthly for children (born or unborn) Are you planning on moving, or buying a new car? How soon? How much should we set aside monthly for that? How much goes into feeding? Transportation?<\/li>\n\n\n\n<li>Priorities &#8211; Quite similar to planning. What are the unnecessary things we spend money on? What are the necessary things we can channel those funds to right now?<\/li>\n\n\n\n<li>Rainy Days\/Emergency Fund: For small repairs in the house that pop up that you don&#8217;t plan for. PHCN (NEPA) light spoils which equals more fuel expense, the generator breaks down and needs repair, the bulb goes off, all require money. Water finishes, money. A visitor stops by &#8211; you need to cook food you did not plan for &#8211; sudden sickness &#8211; hospital bills. Sometimes, those little expenses here and there turn out to be what takes the biggest chunk of your money.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/cwry.se\/emergency-goal\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1024x222.png\" alt=\"\" class=\"wp-image-4065\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tolulope-married-in-2019\"><strong>Tolulope \u2013 Married in 2019<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Openness\/ Vulnerability<\/li>\n\n\n\n<li>Authenticity<\/li>\n\n\n\n<li>Discipline<\/li>\n\n\n\n<li>Delayed gratification<\/li>\n\n\n\n<li>Teachability\/ A willingness to improve<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"kwe-married-in-2018\"><strong>Kwe \u2013 Married in 201<\/strong>8<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Openness<\/li>\n\n\n\n<li>Accountability<\/li>\n\n\n\n<li>Trust<\/li>\n\n\n\n<li>Unity<\/li>\n\n\n\n<li>Shared vision<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tomiwa-married-in-2019\"><strong>Tomiwa \u2013 Married in 2019<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transparency\/openness<\/li>\n\n\n\n<li>Prudence<\/li>\n\n\n\n<li>Selflessness (willingness to sacrifice your personal preferences for the shared financial good)<\/li>\n\n\n\n<li>Clarity of direction\/purpose<\/li>\n\n\n\n<li>Prioritization<\/li>\n<\/ul>\n\n\n\n<p>Did you notice the similarities? Especially how most of them stated <em>Openness <\/em>as their first point. That\u2019s why we\u2019re starting with this for married people who want to save and invest as a couple.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"openness-with-your-numbers\"><strong>Openness with your Numbers<\/strong><\/h3>\n\n\n\n<p>Transparency is vital when couples decide to do anything together. With money, it is even more crucial. Each person should come clean about their monthly income, businesses, assets and liabilities (e.g. debt &#8211; if one person is in the habit of incurring bad debt, it will affect their partner). Remember the previous lesson on self-Appraisal? Appraisal is impossible as a couple when one party is untruthful, dubious or secretive.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"managing-monthly-expenses\"><strong>Managing Monthly Expenses<\/strong><\/h3>\n\n\n\n<p>According to <a href=\"https:\/\/www.fundingcloudnine.com\/manage-money-couple\/\" target=\"_blank\" rel=\"noreferrer noopener\">fundingcloudnine<\/a>, there are a couple of ways to manage your finances as a couple and your decision should be based on what\u2019s best for both parties.<\/p>\n\n\n\n<p>You can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Combine all your finances<\/li>\n\n\n\n<li>Combine finances, but each partner gets fun money<\/li>\n\n\n\n<li>Keep your finances completely separate<\/li>\n\n\n\n<li>Split shared bills 50\/50<\/li>\n\n\n\n<li>Split shared bills by a percentage of each person\u2019s income<\/li>\n\n\n\n<li>Split responsibility for certain bills<\/li>\n\n\n\n<li>Get an allowance from one spouse\/partner<\/li>\n\n\n\n<li>Live off one income<\/li>\n<\/ul>\n\n\n\n<p>Who would have thought that there were so many options?<\/p>\n\n\n\n<p>Each of these has its pros and cons and a mistake some couples make is that they \u201cwing it\u201d. This means that there\u2019s no clarity on who mostly does what and this can result in frustration. One party may feel cheated or like they carry the heavy financial burden while the other person does the bearest minimum.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cAssumption is the lowest form of knowledge\u201d &#8211; Anonymous. When in doubt, clarify.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"do-not-be-penny-wise-but-pound-foolish\"><strong>Do Not Be \u201cPenny Wise but Pound Foolish\u201d<\/strong><\/h3>\n\n\n\n<p>What\u2019s good for the long term? Say you purchase a sofa that\u2019s on sale and the price looks like a steal \u2013 but in less than a year, it starts to fall apart. That means it wasn\u2019t really a steal nor was it a good investment.<\/p>\n\n\n\n<p>This isn\u2019t to say that things on sale go bad quickly, it\u2019s only a reminder to purchase things that last in order to reduce the overall expense it will incur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"children\"><strong>Children<\/strong><\/h3>\n\n\n\n<p>When people say \u201cmy ovaries\u201d after seeing cute baby pictures, they forget that babies are not cheap. If you can, make some money decisions up to adulthood for your children. Decide on what kind of schools they\u2019ll attend, if you\u2019ll gift them their first car or apartment, etc.<\/p>\n\n\n\n<p>Having children is a lot so you want to prepare as much as you can because you\u2019re mostly in charge of their care for about two decades.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/cwry.se\/education-goal\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-1024x222.png\" alt=\"\" class=\"wp-image-4066\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-02-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"retirement\"><strong>Retirement<\/strong><\/h3>\n\n\n\n<p>We have a detailed article that covers <a href=\"https:\/\/cowrywise.com\/blog\/retirement-planning-in-nigeria\/\">how to plan for retirement<\/a> in Nigeria. But if you\u2019re married, why plan alone?<\/p>\n\n\n\n<p>As a couple, identify your retirement income goals and outline how to achieve them. Would you like to still be paid what you currently earn monthly, even though you\u2019re retired? Then save and invest to make it happen. Planning for retirement without a savings and investment strategy is like filling a basket with water, the results are nonconsequential.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"write-a-will\"><strong>Write a Will<\/strong><\/h3>\n\n\n\n<p>For many in this part of the world, writing a Will https:\/\/cowrywise.com\/blog\/writing-will-nigeria\/ is like wishing yourself ill luck, but that is far from true. A will essentially cover details on who the executors of the will are, the people or person who will be the beneficiaries of your assets, and in cases where there are minors \u2014 who their guardian(s) will be.<\/p>\n\n\n\n<p>This ensures that your spouse and loved ones are covered in the event that anything happens to you. See it as a precaution that eliminates any assumptions that third parties might have about you and your assets because you\u2019ve set things straight under the law. In cases where traditions and other things may come up, ensure your loved ones are backed by the law.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"save-invest\"><strong>How to Save and Invest as a Couple<\/strong><\/h2>\n\n\n\n<p>Now that we\u2019ve covered major topics that people in love often overlook. Let\u2019s dive into how to save and invest as a couple. If you, however, skipped to this part, you should definitely swipe up to read all you\u2019ve missed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"start-with-why\"><strong>Start With Why<\/strong><\/h3>\n\n\n\n<p>What are your short-term and long-term goals? Why are these goals important to both of you?<\/p>\n\n\n\n<p>Why do you want to make money, save and invest? Why do you want to do that as a couple?<\/p>\n\n\n\n<p>Understanding your why will help you stay on course. Do you want better opportunities than your parents had? Or perhaps you want to be able to give your kids the opportunities your parents could (not) afford to give you? Have you seen people retire into penury and promised that that could never be you? Take a moment to be alone with your partner to discuss your individual whys and strategize on how to merge both.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"set-financial-priorities-together\"><strong>Set Financial Priorities Together<\/strong><\/h3>\n\n\n\n<p>What is important right now and what can wait? Both of you should be clear about this so that one person doesn\u2019t spend or allocate funds to something the other person deems unimportant. It is important to state here that there will be things that are important to one person but not important to the other. In this case, compromise and find a balance that keeps everyone happy. At the end of it, we\u2019ll add YOLO (You only live once) to this because you don\u2019t want to be so aggressive about financial goals that you never really get to enjoy life.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"set-savings-guidelines-and-rules\"><strong>Set Savings Guidelines and Rules<\/strong><\/h3>\n\n\n\n<p>Stuff like \u201cfor the next 10 years, we\u2019ll both save 20% of our income\u201d or \u201cWe\u2019re saving to purchase a house in three years and until then, none of us can buy a new car\u201d. Set strict but fun savings rules that both of you will be excited to keep \u2013 for long-term benefits.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"choose-a-savings-plan-that-s-also-an-investment\"><strong>Choose a Savings Plan that\u2019s Also an Investment<\/strong><\/h3>\n\n\n\n<p>We don\u2019t hate banks but they\u2019re not the best place to save.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/cowrywise.com\/blog\/money-duo\/\">Money Duo<\/a> savings plan is perfect for lovers who want to keep things private and save for long-term goals. Duo is also an investment because you earn returns on your savings. When deciding on your best options, choose only the ones that are also investments.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cwry.se\/duo?utm_source=saving_and_investing&amp;utm_medium=article&amp;utm_campaign=money_duo2\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-1024x222.png\" alt=\"\" class=\"wp-image-4064\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-03-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-invest-as-a-couple\"><strong>How to Invest as a couple<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"first-pay-off-high-interest-debt\"><strong>First Pay Off High-Interest Debt<\/strong><\/h3>\n\n\n\n<p>Instead of leaving debts to accumulate interests that will cost you more in the long run, work first to pay off your debt. That way, you\u2019ll be building a positive net worth.<\/p>\n\n\n\n<p><em>Net worth is the value of the assets a person owns, minus the liabilities they owe.<\/em><\/p>\n\n\n\n<p>Assets provide monetary value, while liabilities are responsibilities or obligations that reduce your resources. Net worth can be negative or positive, depending on if your liabilities outweigh assets and vice versa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"save-to-spend-invest\"><strong>Save to <s>spend<\/s> Invest<\/strong><\/h3>\n\n\n\n<p>If you\u2019ve read up till here, you\u2019ll know that we advocate for splurging but within a budget. Your long-term savings are not to be splurged, they\u2019re to be invested and wisely too!<\/p>\n\n\n\n<p>Investment types are many and are usually categorized into high, medium and low risk. For best results, diversify your portfolio into these three categories. This is important because no two investors are the same, so whether you\u2019re a conservative investor and your partner is a bigger risk-taker, both of you can still enjoy this process. However, both parties should still be aware of all investment moves being made and the reasons why.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"invest-as-much-as-you-can-as-conservatively-as-you-can\"><strong>Invest as Much as You Can, as Conservatively as You Can<\/strong><\/h3>\n\n\n\n<p>This is a beginner\u2019s couple\u2019s guide and beginner investors might be tempted to just save, save and save (because they get some returns on savings) until they\u2019re \u201cready\u201d to invest. Becoming knowledgeable is important, but you know what\u2019s even better? Putting your knowledge into practice. Now that you\u2019ve both decided that this is what you want to do (remember your why?), start now and start with less risky options to learn the ropes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"some-great-conservative-options-on-cowrywise\"><strong>Some Great Conservative Options on Cowrywise?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cowrywise.com\/mutual-funds\/united-capital-money-market-fund\">United Capital Money Market Fund<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cowrywise.com\/mutual-funds\/afrinvest-plutus-fund\">Afrinvest Plutus Fund<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cowrywise.com\/mutual-funds\/meristem-money-market-fund\">Meristem Money Market Fund<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cowrywise.com\/mutual-funds\/arm-money-market-fund\">ARM Money Market Fund<\/a><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/how-mutual-funds-work\/\">Mutual funds<\/a> are generally a safe investment option for the long term and you have over 15 options to pick from on Cowrywise.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/cwry.se\/investments\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-1024x222.png\" alt=\"\" class=\"wp-image-4063\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-04-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"commit-to-the-long-term\"><strong>Commit to the Long Term<\/strong><\/h3>\n\n\n\n<p>Some of our fav quotes by Warren Buffet on thinking long term<\/p>\n\n\n\n<p>\u201cIf you aren\u2019t willing to own a stock for 10 years, don\u2019t even think about owning it for 10 minutes.\u201d<\/p>\n\n\n\n<p>\u201cNo matter how great the talent or efforts, some things just take time. You can\u2019t produce a baby in one month by getting nine women pregnant.\u201d<\/p>\n\n\n\n<p>\u201cBuy a stock the way you would buy a house. Understand and like it such that you\u2019d be content to own it in the absence of any market.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Instead of diving right into how to save and invest as a duo, we first highlighted some important details that you need to take seriously. We covered three individual money habits that will eventually limit financial friction in your relationship. These money management basics are Self-Appraisal, Taking Control, and Building Wealth. Why begin with individual money habits? Because relationships are only as good as the individuals. <\/p>\n\n\n\n<p>In Part A, the section for unmarried couples, we broke down some more money essentials like Expense Control, Openness, Money Awareness, Personal Development, Long-term money discussions and Deal Breakers.<\/p>\n\n\n\n<p>In Part B, the section for the married folk, we began by asking 4 millennial couples their top money values, of which &#8220;Openness\/Transparency&#8221; won the show. Coming clean and being transparent is vital when couples decide to build wealth together. If any party is sneaky, it will result in serious problems. <\/p>\n\n\n\n<p>After these four money values, we highlighted some money essentials like openness with your numbers, managing monthly expenses, not being \u201cpenny wise but pound foolish\u201d, children, retirement and writing a Will. <\/p>\n\n\n\n<p>These formed the foundation for the detailed guide on how to save and invest as a couple. Without the points, you may be tempted to move with speed, which might not be backed by enough direction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ready\">Ready?<\/h2>\n\n\n\n<p>This must have helped put a lot of things in perspective for you, but remember the point about practice? Use your knowledge to gain more insights by taking action. <\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f7fc\">Ready to begin the journey of saving and investing with the love of your life? Sign up for <a href=\"https:\/\/cwry.se\/duo?utm_source=saving_and_investing&amp;utm_medium=article&amp;utm_campaign=money_duo2\">Money Duo<\/a>.<\/p>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-70769 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/online-business-ideas-for-students\/\">5 Online Business Ideas for Students<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2023-10-05T13:13:37+01:00\">October 5, 2023<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/online-business-ideas-for-students\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/09\/Making-money-online@4x-scaled.webp);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/business-excess-cash\/\">Excess Cash In Your Business? Here&#039;s What To Do With It<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2022-06-11T07:25:40+01:00\">June 11, 2022<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/business-excess-cash\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/06\/Excess-Cash-2@4x.png);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p class=\"has-large-font-size\"><strong>RELATED<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/money-duo-call-for-couples\/\"><strong>Money Duo 2.0<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/money-tips-for-millenials\/\"><strong>Major Money Tips Every Millennial Should Know<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/on-financial-compatibility-should-you-marry-someone-poorer-than-you\/\"><strong>Financial Compatibility: Should You Marry Someone Poorer Than You?<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/money-management-tips-for-women\/\"><strong>6 Money Management Tips For Women<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/save-money-for-house\/\"><strong>How to Save Money for a House<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jump to a section: Avoiding Messy Breakups When Lawunmi met Josh, she really believed she had met \u201cthe one\u201d. She was quick&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4068,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134,135,312,173],"tags":[217],"coauthors":[463],"class_list":{"0":"post-3988","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips","8":"category-investment-tips","9":"category-money-tips","10":"category-saving-tips","11":"tag-relationships"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Saving and Investing as a Couple - The Beginner&#039;s Guide<\/title>\n<meta name=\"description\" content=\"Find out the important details needed when saving and investing as a couple. 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