00:00What do you do for a living?
00:02I am a clinical supervisor for a behavioral health department.
00:06How much does that make?
00:07$51,500.
00:08How's $51,500 stretching in Houston?
00:11I am a two-home household.
00:14It's a dual household income.
00:15It's me and my husband.
00:16Where's the husband?
00:17Working, making money.
00:18Why are we not looking at both y'all's finances?
00:21Because he has his life in order and I don't.
00:23Wait, are you guys not combined?
00:24We have one account that we share that's only for bills.
00:28And then the rest is all separate?
00:29And then we each have our own checking account.
00:31Well, what about the debts?
00:32So those are all mine.
00:33Okay, so this is like an individual audit.
00:35Why are you guys not combining my debts, her debt, her debt, my debt?
00:38Because I spent it.
00:39Okay, so that's why we're just talking to you because you guys keep things kind of separate.
00:42Yeah.
00:43That's interesting.
00:44How long have you guys been married?
00:45It'll be two years.
00:46Why are we keeping everything separate?
00:48Well.
00:48Oh, interesting.
00:49Okay.
00:50We used to actually sit down every Sunday and we would have like financial talks.
00:53It's a good habit.
00:54And I stayed on top of things.
00:56But then we stopped having those.
00:59Why?
00:59Because everything was good and we didn't need to have them anymore.
01:02If everything was good because of the action we were doing behind it, I don't think we
01:05stopped doing the action behind it that got us good and expect to stay good.
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