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It makes sense to share living expenses like rent/mortgage energy bills transportation taxes and food in a joint account in proportion to how much each brings in per month. This if A brings in x and B bring in 2x then B should pay two thirds of the joint bills as they bring in two thirds of the money. Each partner also has their own bank account so if she wants to spend 500 on a dress or he wants to spend 500 on a set of tyres for his car they can.

This is me. I think I’m a recovering doomsday prepper!

My ocd made a beautiful spreadsheet for budgeting and I document every dollar I spend in an app, then check them with my online accounts and keep it in my spreadsheet. Unfortunately my adhd doesn’t care one bit about what those abstract numbers are for and just does whatever it wants for dopamine. I haven’t found a method that truly fixes all my problems yet.

I was diagnosed as a child and couldnt accept it. Forgot about it for years until remembering and getting rediagnosed at 23. Only now realizing how much it has affected my life. Thank you so much for making this content to help people like me. ❤

So nice to feel understood. Thank you.

I think my bad financial situation caused mental health issues. But I also believe bad mental health lead to my financial issues.

keeping your housing expenses close to 28% was tough in NY. And now is also tough in GA. Where does that actually work lol?

you & me both ❤😂

Good for u! 🎉🤑 I just gave myself a hair fade and shape-up last night! I rock a pixie cut. 🙃

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I agree 100% with your holistic & positive approach using Money Archetypes to focus on money issues strengths. You are correct about the Klontz Money Script Inventories (KMSI) approach as all responses interpret & assume everyone is "suffering" from a money type, which is not always truth. The Klontz Money Behavior Inventory (KMBI) puts you into depressing categories, with attempts to apply clinical diagnosis clients by declaring their behavior is "similar to a person that suffers from.... "Compulsive" & "Pathological" disorders... all negative labels which make people feel like failures. I very much appreciate the way your able to focuses on the positive behavior aspects, using a client strength to create life balance over the weaker traits. From my experience your approach feels more motivating, uplifting & inspires confidence.

I would love it if you could talk about shame around money and overspending... i realize thats half my battle is acknowledging I feel shame about letting my overspending control my finances and just addressing that seems to help me allow to dig deeper into actually problem solving my budget. Without acknowledging the shame I feel, I typically just ignore my money problems!! You may already have a video but I just found your channel so I'm going to go look :)

Finally some new tips I have not heard before. I love the impulsivity fund or simply using cash. I will need to try this!

Wages haven't gone up in 70 years !!!!

this is actually useful, thank you. i always forget to pay my bills, so i have my mom reminding me in person, i have some of them set to autopay and some need my attention every month. i also struggle with saving money and impulsive shopping - but i've finally made it to having a good financial reserve by sending my money to a saving account where i pay fees everytime i want to withdraw money - i know it's not favorable so i don't touch it unless i really need the money. also i've learned that paying with cash helps me ''see'' the money flow away and have better control of my spendings than paying by card.

How to talk to FNAF

Thank you so much 🙏🏻

ah man, i did the quiz weeks ago and didnt save the results cause i left my email address. turns out the email doesn’t have the result in it :/ bummer!

Great episode, Lindsay

Love this video! Thanks for doing the work of finding all of these wonderful humans that focus on financial literacy and education! Been working through financial anxiety after traveling for 5 months and being unemployed.. sooooo, i’m really looking forward to watching more of your content and exploring these creators as well 😊

Hi Lindsay, could you suggest a few books for anxious attachment people that they might find useful to read. Definitely I feel that any author might not have written financial advice in accordance to attachment theory. But there are different techniques suggested, can you please suggest a technique/book that would be more beneficial for an anxious attachment to apply/read. Another idea, you can create a video for all the attachment styles and help them suggesting books/techniques that might be more tailored to their issues. Thanks!!

Great explanation ❤

This was great! You asked the best questions!

Wow, the free spirt! Yes. I learned so much.

It appears that the quiz link in the description results in a 404 (not found error) because it has %E2%81%A0 appended to it

In my case, my wife left for her home when I brought this topic. 😊 She is also employed 😊

During my studies its very interesting to learn how Financial Therapist without a license, nor having any type of degree requirement if they are able to show therapy "experience" have the ability to become certified and practice in any state as laws do not apply to them. They are claiming and teaching they provide therapy and treat financial "debilitating anxiety & depression" I wish there were more laws and regulation to prevent this type of public deception which puts the public's safety at risk. t would be great if there was a published side-by-side chart to clearly identify and list out the differences between a licensed therapist with financial training & a Finacial Planner with therapy training. Thank you for providing this education so the public is aware and understand the right question to ask before talking to any financial therapist.

Sounds like an excuse for lack of self control 😮

you’re the first time i have EVER heard someone say the real name of the acronym of S&P 500. see, you’re a real one 🤭💪🏾

i’m making an ADHD tax sinking fund for adhd related costs. hopefully it’ll make me feel less bad about having to repurchase lost items, paying more for things i forgot. it’s already a mantra i use like when i forget to return something to feel less bad about it ❤️‍🩹

your account is so refreshing! personal finance is my special interest so i’ve heard a lot and i’ve been loving your videos!

I know youre not able to sell financial products, but are you able to sell courses/guides, etc. or other products on what you do as a financial therapist or other products in general ?

This is great, I feel very seen! I think it would be good if you write out those questions (at 12 min) in the caption

Excellent!

I save around 80% and don’t overspend on much. A child would not be a gigantic drain to my wife and I relative to the average family income, but it would push retirement back.

Hi Lindsay, this is a fantastic video! Thanks for giving all these clear suggestions about how to manage your money in practical terms, beyond the basic tip of having a budget which doesn't get you very far when you actually need to build a game plan for managing your finances. I would add that depending on where you live, it's also worth checking annually if you're eligible for any financial aid (eg for child care, housing) and if you're employed, finding out if your employer offers any advantages like support for transport (car sharing, taking public transport or cycling to work) or investing. My husband and I come from very different backgrounds and it took us several years to get on the same page financially. I insisted we take note of our incomes and expenses for about two years to have a clear picture of how our money was flowing, we did that in an excel spreadsheet. That really helped us understand where we were and honestly makes the annual/quarterly updates SO much easier now. We live in France and also got some help from an accredited financial advisor who of course earned a commission for the products we subscribed through him, but we consider it was worth it because he recommended appropriate investment options for us that have been giving good results, whereas we would have probably been too scared of placing larger sums on actions or bonds by ourself. So as you said, it's worth educating yourself and considering getting professional advice to take action. We have a toddler and it's hard to find a quiet time to sit down and do our financial planning now, but your video has reminded me how important we check in regularly how we're doing, so thank you! ;)

I have dyscalculia/adhd. One of the big signs of dyscalculia is getting lost or having no sense of direction. I woukd joke about getting lost going around the block. It ialso translates into getting lost in life directions. Not having a spending plan blue print map, not knowing what account balances are, or a lack of clarity on incoming/out going. I am lost that way and just cant find rhe map or direction out of the mess.

I love all your videos! But i especially had to stop and chuckle when you said to flip a coin and if you don’t like the answer, you don’t have to go with the coin. I will definitely adopt a new mantra around making financial decisions because that can help with personal and business financial decisions that I am making., I appreciate you!🎉

Interesting thing that happened to me. I had a problem with impulsive buying, and for years I had been taking Adderall. After some research, I kept hearing about the link between Adderall and impulse buying/behavior. My Dr. switched me to Atomoxetine, and I seem to have more control now and stop and think "do I really need that" Not saying this will work for everyone, just worked for me.

Great video and analysis, thanks! Curious where one can get 6.25% on a 30 year mortgage now? I've been hearing the avg is around 7% even with excellent credit. Maybe 6.25% is for a 15 year loan?

I want to be private practice so very bad. All the LPC’s at my current community mental health agencies, do not even do counseling anymore. They are all in managment which seems like good money but it also seems like selling out. I just want to help others not manage. I really dislike community mental health

Just had a conversation with a client who was upset about something that was posted on Redit. People do not understand that for some people, it is easier to navigate our world, and for others, it is not. That statement goes across the board mental health, health, work. Blanket statements or beliefs are almost always wrong.

How will you start building financial self-trust?

🤩 'PromoSM'

This woman is talking about finances and aspects such as saving and intentional spending, which as a DINKWAD (Dual Income, No Kids, With Dog) has a lot to do with vacations and her beloved dog! This is her personal story. You have to fill in the blank with what's important for you! She is not selfish for choosing to live a life aligned with her values. If your values lead you to choose to have children, that's wonderful!

YOURE AMAZING AND VERY SMART. INVEST IN A DOG AND IT FULFILLS THE INNATE IDEA OF CARING FOR SOMETHING CUTE AND ADORABLE

Your content is so helpful and has allowed me to process my finance history and mental health.

Love your content. It always makes me want to go and study my craft even more.

This is informative Lindsay. I am glad your name came up on google when I was searching on breaking my cycle of money trauma. I think the flexible approach works perfectly to rewire the mind with a new sense of freedom. And thinking much bigger than containment of a rigid way of doing things.

You have to get the money coming in . If you can’t, you go down.