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Karrie is with us in philadelphia hi Carrie how are you hi hi Dave great how are you better than I deserve what's up I am my fiancee we just are planning our wedding and we are trying to talk about finances and everything get everything squared away and figure out you know how we're going to join our finances when we get married I wonder if you have any advice for that yep the old-fashioned marriage vows now this is after marriage okay this is not before marriage you can start talking about it you can even do some pretend mock up budgets in pre marriage counseling but until you're married I wouldn't combine finances now once you're married the day you're married I would completely combine them the old-fashioned marriage vows say for better for worse in sickness and in health unto thee all my worldly goods I pledge meaning we're both all-in those are the marriages that work best and those are the people that have the highest probability of building wealth very few people who get married and treat each other like roommates okay half of that mustard in the refrigerator is mine you know and you start all that crap where you're splitting it I paid for the car and you pay for the S and you paying for that that's like having a roommate instead of combining your finances when you combine your finances it forces you to communicate it forces you to dream together it forces you to be afraid together when times are bad it forces you together and it's one of the most healthy things you can do with money as a matter of fact the marriage counselors often say use a combining of a budget to force communication in a marriage that's struggling and we have experienced many times over the 6 million people going through Financial Peace University many many many many many many thousands of letters tens of thousands hundreds of thousands of letters over the years from people saying fine University saved our marriage because we force you from a practical standpoint to start budgeting together in one checking account and that forces you to talk about it if Sharon goes and buys a big thing and I go and buy a big thing there's not enough money in the account checks are gonna be bouncing all over town so we have to know together what's in there and it forces us to stick to our budget it forces accountability of forces communication and you know it's not your student loan my student loan after you're married it's our student loans you're the one brought it but it's ours and it's ours it's ours it's ours everything's ours you change your pronouns from out of the abundance of the heart the mouth speaks and you change your pronouns from yours and mine oui oui you become French it's ours it's oui and that's the process I would...