All right, Gary, today we're going to be talking about love and finances. And most importantly,

when you're a couple, should you combine finances? Now, before we get into this, I just want to

tell you a little bit of story that I don't think you know. But before, Jess and I were dating for

about five years and we got to a point where we're like, it's time to move to a new place we've been living

together for like three. We're like, should we buy a house together? And we ended up doing it.

And it was one of those moments when I was signing the paperwork for the house. I'm like,

oh, I just got married. Like, I was already going to marry her.

But like, it was one of those moments that really clicked to my head when we're sitting there with the mortgage guy or whoever it was.

And I'm signing like, you know, the hundred stacks of papers.

And I'm like, oh, I'm totally in it.

I get whatever I'm saying.

And in so many ways, finances are how we get married to a person, you know? Yeah. Yeah. You know, marriage is like one of those big commitments, right? And so there's a lot of ways to make that commitment without a ceremony and walking down the aisle and all that stuff that goes with it. I'm not saying we can do away with that but it was the same for for my wife and i it's like you know we live together in graduate school and so as soon as we started living together we weren't married but like we're like we're like and the other thing is in graduate school we were both dirt poor like you have absolutely no money so there wasn't a lot to co-mingle but at the same time it's like whatever we had we might as well co-mingle um and it's still like to this day like my wife will say she's like you know one of the big mistakes i made was taking on your student loans because i had to pay my whole way through college and so she's still to this day i mean it's been 20 plus years and she like, we are still paying off your student loans. I'm like, I know. And she's like, I wish I would have known like you had so many student loans. And I was like, well, it's just kind of, but it's like, we weren't married, but it's like, you're right. As soon as you start mixing the finances and like splitting bills or just kind of like putting

all your money in a pot together like you're basically in it right and so you know what happens

is there's a there's a lot of potential complications with that because you know as you know you

look at like the top five things that couples fight about money and finances is always on the top

five list. You can't avoid money and finances as a top five thing. So I'm really glad we're

talking about this today. Yeah. I think it's big. I mean, for those who don't know,

my mother was and still is a divorce attorney in her 80s now she's turning 80

actually uh this year which is really exciting and she's still practicing divorce attorney

and so growing up i you know most people talk about i don't know religion sports whatever

we didn't talk about any of that stuff. My mom would come home for a long day

of work and tell me about her divorce that day that she, like, facilitated, obviously without

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