Until now I’ve spent a lot of my focus chasing credentials, even if I didn’t really realize that.
For example, having good schools, companies, etc (YC even!) on the resume.
All of that served me well, but I think now it’s important to switch to harvesting some of the fruits of that labor and deciding what I inherently want to pursue.
I get joy out of a bunch of things; spending time with my family, running a business, even learning and listening to my favorite podcasts. I’m much more focused on doing things that bring me joy now, and the choices I make are in service of that.
A few things I read last year that were influential for me:
Obituary for a Quiet Life (relatively short): https://bittersoutherner.com/feature/2023/obituary-for-a-qui...
Greenlights by Matthew McConaughey
The Comfort Crisis by Michael Easter
My tl;dr is really just the pursuit of love, joy, good health, and good money.
For my setup I have an external webcam sitting on top of the light bar.
State law is really important if the relationship fails and you need to split commingled assets. If that's something you're worried about you should speak to an attorney.
To directly answer your question, we both direct deposit into a joint checking account. We spend on cash back credit cards that are auto paid out of the joint checking account each month. Mortgage and car note are out of the joint account. We both maintain access to small spending personal accounts/cards on the side for gifts and misc. stuff we don't want to discuss.
When the checking account gets over our healthy buffer of ~2-3 months spending, we sweep the extra to a taxable brokerage account and invest it in index funds.
We "pay ourselves first" with prediscussed, significant, automatic contributions to retirement savings, college funds for kids, or any key milestones like down payments or big vacations. that way any money that stays in the checking account or misc accounts are relatively guilt free and discretionary.
Of all of the things that I mentioned, contributing to retirement and big milestones before we can "touch" the money has been the most important for our peace of mind. we don't fight over money because we've already aligned on the big stuff.
Paying the large, important items first is a great idea. I like the idea of having some discretionary money that can be spent guilt-free as the main things are covered.
https://www.acquired.fm/episodes/coca-cola
Great podcast BTW, lots of good stuff in the archives.
EDIT: Someone beat me to the comment, but leaving my comment here for the link.