367. Why money deeply shapes our relationships ft. Jack Howard
The Psychology of your 20s
iHeartPodcasts
4.8 • 1.7K Ratings
🗓️ 23 December 2025
⏱️ 35 minutes
🧾️ Download transcript
Summary
Money and love: the two things we stress about most in our twenties, and yet we rarely talk about how deeply connected they are. In this episode, I’m joined by Jack Howard, Head of Money Wellness at Ally, to unpack the psychology of money in our relationships and how it shapes who we date, how we fight, and how we build a life together.
In this episode, we explore:
- Why money and love are so deeply linked
- Spender vs. saver dynamics and why opposites so often attract
- Why we emotionally spend?
- What’s the deal with prenups?
- Is it worth having an expensive wedding?
- When to get joint bank accounts?
- How to talk about money WELL!
If you’ve ever argued about money with a partner, avoided talking about it, or worried you’re “bad” with finances, this episode will give you language, tools, and a lot of reassurance that you’re not alone.
Take the course HERE
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For business: psychologyofyour20s@gmail.com
The Psychology of your 20s is not a substitute for professional mental health help. If you are struggling, distressed or require personalised advice, please reach out to your doctor or a licensed psychologist.
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Transcript
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| 0:00.0 | This is an I-Heart podcast. |
| 0:02.5 | Guaranteed human. |
| 0:08.5 | Hello everybody. |
| 0:10.0 | I'm Jemma Spike and welcome back to the psychology of your 20s, the podcast where we talk |
| 0:15.4 | through the biggest changes, moments and transitions of our 20s and what they mean for our psychology. |
| 0:27.4 | Hello everybody. Welcome back to the show. Welcome back to the podcast, wherever you are |
| 0:32.7 | in the world, new listeners, old listeners. It is so great to have you here back for another amazing guest |
| 0:39.4 | episode. If I had to pick two categories that I think I get the most questions about when |
| 0:47.6 | it comes to our 20s, it would no doubt be love and money. And although we might view those as separate topics, separate ideas, |
| 0:58.4 | they are actually deeply linked. How we think about money, it affects how we date, |
| 1:04.5 | who we date, how our love stories turn out, and how we think about love will impact what money problems, money issues, |
| 1:14.5 | money value differences we may overlook. So today, let's talk about the intersection of money, |
| 1:23.8 | relationships and psychology, everything from pre-ups to how much you should spend on a wedding, |
| 1:31.2 | if and when you should get joint bank accounts, and why you really need to understand your money |
| 1:37.1 | story to really show up in your relationship. Of course, I am not a financial expert, but I do have |
| 1:43.7 | someone joining me today who is, and who is not only a financial expert, but an expert in love and money. |
| 1:52.4 | Let's get into it. |
| 1:53.8 | Without further ado, Jack Howard, welcome to the podcast. |
| 1:57.9 | Welcome to the psychology of your 20s. |
| 2:00.2 | Thank you. Thank you for having me. |
| 2:02.7 | You were just talking about this. We have the most disparate time zones. You're in Detroit. |
| 2:08.9 | I'm in Sydney and we've managed to make it work. So thank you. The power of technology is |
... |
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