Thinking about merging money with your partner but not sure where to start? We dive straight into the messy middle: trust, spending habits, and the moment when shared goals like a first home or kids make joint systems not just helpful but essential. With Jordan’s candid stories from real relationships, we unpack what works, what breaks, and how to build a simple system that feels fair to both of you.
We begin with the “test account” idea—one joint account used only for bills—to see how each partner handles responsibility, timing, and priorities. If that money keeps drifting to coffees and impulse buys, you’ve flagged a training need, not a green light. Once trust is proven, we layer in a joint savings account aimed at clear targets like holidays, a car upgrade, or a house deposit. We talk through contribution options—proportional by income or straight 50/50—and why equity beats rigid equality when pay differs.
Autonomy matters, too. After bills and shared savings, personal accounts give breathing room and cut down on petty arguments. We cover the home-buying reality check: hidden debts derail pre-approval, and couples who haven’t agreed who pays for what often stall when the big numbers land. Communication and monthly money check-ins prevent cold feet and keep momentum. Finally, we explore life shifts—parental leave, daycare costs, and who stays home—and how to rebalance contributions so both income and unpaid care are valued.
You’ll leave with a practical framework: start small, test responsibly, expand to shared goals, and keep personal freedom. Ready to try the system or refine your own? Follow the show, share this with a partner, and drop your money rules in a review—we’d love to hear what’s worked for you.
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