#Financial Planning for Couples

[dc-probate-attorney]

Financial Management in Marriage: Navigating the Path to Financial Harmony

Marriage is a beautiful union of two individuals with shared dreams, goals, and responsibilities. One of the most critical aspects of a successful marriage is effective financial management. The way a couple handles their finances can significantly impact their relationship, shaping not only their economic stability but also their emotional and psychological well-being. In this article, we will…

[scribeanand]

Why Financial Planning is Important Before Marriage

[sweetsuke]

some more ships i couldn't fit in the other post + an example of what im planning to do with the actual keychains

i think ill have them link via magnetic hearts, because i've seen a couple of people do keychains with those and they're super cute. and then if people want just a single keychain without any ship involved, they'll have a little full heart dangling off where the half would usually be :>

the designs where i actually have the characters standing next to each other will be the stickers^^

[voittoinsights]

Building Financial Trust: 11 Steps for Couples to Strengthen Their Financial Relationship !

1.Opening Remarks Few things can change the rhythm of the delicate dance of love and partnership like the subject of money. It is not an exaggeration to suggest that how couples manage their finances may either be the cornerstone of their relationship’s success or the fracture that undermines its basis. To better understand this, we dig into this must-read article, “Building Financial Trust:…

[landfilloftrash]

it has been years since that revelation and it has only gotten worse.

aka could I be normal for two seconds

[heavenknowsffs]

I am FUMING

[oqal]

Keeping you in my prayers Becca fuck the paycheck guys

thank u 😭

[deadsetobsessions]

“I ate paint once,” Danny nonchalantly threw out in the middle of game night.

The entire table stopped. Heads whipped towards Danny.

“Yeah, me too. Cardamom yellow was my favorite. Ugly as hell but the chemicals just tasted right.” Tim replied, using the distraction to nab some of Bruce’s money. Monopoly money, that is. Everyone’s heads snapped towards Tim, only Cass and Danny (who was part of the scheme) caught him cheating.

“Really? I think mine was those spray can blue cosmos paint. But that might have been more my thing for space than the actual taste.”

“WHY WERE YOU EATING PAINT?!” Dick asked, looking like he wanted to lunge over the table and shake Danny until he puked out paint. Bruce looked like he was about to have a heart attack.

“Yeah, what the fuck, Tim?” Jason snickered.

“In my defense,” Danny grinned. “I was left unsupervised. Also, Steph, you owe me $24 in rent.”

“Ugh! I’m almost out of money! Can’t you loan me some, Alfred?”

“I am sorry, Miss Stephanie, you are not qualified for another loan. In fact, one of your properties is about to be confiscated as per the collateral agreement.”

“Noooo!” Stephanie made dramatic dying noises.

“What was your excuse, Timothy?” Damian asked, eyes glued to the board and determined to win the game.

“Hey, I was probably less supervised than Danny was.”

“Yeah,” Danny perked up. “My parents brought us down to their lab all of the time. Taught us a lot of stuff.”

“Really? Like what?” Duke asked, casually slapping away Tim’s sneaky hands.

“Oh, like what a rocket launcher sounded like up close! And how to build a laser gun! Oh! And what human organs looked like when they’re fresh!” Danny chirped, collecting his money from a stunned Stephanie’s hands. He looked up.

“Oh, don’t worry! I at least learned what not to do when it comes to lab safety. And we wore hazmat suits to protect ourselves from the radiation.” Danny smiled in a ditzy fashion as the table fell silent in a horrified manner. Cass tapped his arm amusedly, but allowed his bullshit to stand. After all, it’s not like he lied.

“Radiation?” Duck’s voice raised a couple of octaves. Oh yeah, Danny’s going to laugh about that pitch for a long while.

“Organs?!” Jason’s hands closed around the plastic house he was holding rather forcefully.

“Do you even know what basic lab safety practices are, Danny?” Damian demanded, finally looking up with brows furrowed. He rolled the dice and grabbed a mystery card. He gets $100 from Alfred.

“How old were you??” Duke asked.

“Like… 8, when they first brought me in?”

“Eight.” Bruce rumbled, slipping into a more Batman like persona. When Danny sent him a confused look, Bruce straightened back into his Bruce persona. “Wow, they must have trusted you a lot!”

“Sure?”

“What were their names again?” Stephanie asked sweetly, Cass nodding at him.

“Jack and Maddie Fenton.” Not that they’ll find them here, considering his parents are dead and in another universe.

“Cool, cool, cool!” Stephanie blinked, beaming as her hands formed lethal fists underneath the table.

Danny blinked and tilted his head in an unassuming way, pretending like he had no idea what Stephanie was thinking of. He sneakily handed over $600 to Cass in order to complete his monopoly on his side of the board.

Danny stood up and spread his hands out, one hand clutching his new found victory.

"Well, lady and gents, you've all been floundering against the inevitable tide of capitalism. I am here, as a reminder that you can never win against the hopelessness that will be your financial ruin! I, Danny Fenton, have obtained a quarter of the board and therefore have won against even your best efforts!" He cackled, holding up his fan of properties triumphantly. He shot a mischievous grin at Cass, who held up a solemn thumbs up in support for his monetary takeover.

"... Danny, are you... planning on a career in villainy?" Bruce asked, after a brief and total wave of shocked silence. Damian looked like he was having a conniption at having been bested, unknowingly. Yeah, Danny was disarming like that.

"Yeah, that was concerning." Tim piped up, nabbing a ten from a shell-shocked Damian.

"Hey! The Riddler gives surprisingly good monologues! And he's really loud, so it's hard not to pick up on things. Duke, your turn." Danny sat back down, pouting. The villainy comment was a little too close to his fears.

"Damn it." Duke, who had rolled, landed smack middle of Danny's territory. He handed over a sheaf of bills to a grinning Danny.

"Wait a minute! You have cheated!" Damian bolted upwards from his seat, finally done running through the purchases he remembered Danny making. "You acquired that property not within the games' rules!"

"Okay, first of all, the rule book is a suggestion, like lab safety rules," Danny saw the others open their mouths to protest, but he quickly shut it down. "Second, there's totally no rules about selling and buying places from a private owner so suck on it. And thirdly? Cass sold it to me, so you all can take it up with her."

"Diabolical!" Damian muttered indignantly.

"... Dammit." Dick sighed, falling back into the chair and balancing on its two legs. He couldn't say anything, considering his current of bankruptcy.

"Danny. Danny, I'll buy a property from you." Jason said, eyeing one of Danny's other properties near his own cluster.

"What do you have that would interest me?" Danny asked, falling back into his Vlad-like imitation.

"Ew, don't do that," Steph reached over to jab him in the arm.

"Yeah, Jason, what do you have?" Duke said, the lovely subtle instigator that he is.

"Red Hood's signature."

The others blue-screen, gaping at the actual audacity Jason had to offer up something that would take him no effort. Danny, prepared with a poker face that came with lying straight to Jazz's ever perceptive eyes about whether he nabbed the last of her ice cream or not, was prepared.

"Red Hood? The condom guy working out of the... um. Upper East Side?" Danny asked, pretending to hesitate. He knows where Jason operated. That doesn't mean he couldn't simply pretend otherwise. For science, of course.

...

...

...

The table howled with laughter, Jason's indignant spluttering unable to say anything against Danny's wide eyed look of innocence. Cass leaned against the table, chuckles falling out of her mouth and eyes crinkled in mirth. Dick had fallen out of his chair, helplessly wheezing on the floor. Duke is hiding his face in his hands, mirroring Bruce's pose as they both shake from silent laughter. Damian is smirking, wicked and sharp as he smugly stared at Jason. Stephanie and Tim are leaning against each other, repeating "the CONDOM GUY" in alternating and increasingly louder voices. Alfred had a smile on his face and a tight grip on the bills in front of him that betrayed his amusement.

"He's a crime lord!" Jason exclaimed, indignant.

"Uh, okay. Well, I mean, why would I want a crime lord's signature? I don't want to be on his radar. Or echolocation or whatever. He's... a Bat, right? That's what you guys call that group, yeah?"

"How do you know the Rogues better than the vigilantes?!" Jason glared at his unhelpful family. Those assholes better prepare for a load of rubber bullets the next time they're on patrol near Crime Alley.

"Hey, it's not my fault the vigilantes here are unsociable. Maybe if they monologued more, I'd know who they are."

"Wouldn't- wouldn't that make them more villain like?" Tim asked, stuttering from his laughter.

"I dunno?" Danny replied, enjoying his the family's unabashed joy. "I mean, they're pretty legit and they help people already so I guess they don't need to be sociable... but still I swear I haven't heard anything about Batman other than that he grunts and is mean towards criminals."

Is mean towards criminals, Duke mouthed at a recovering Dick who was in the process of heaving himself back up. It sent him careening back down to the floor with restrained giggles. Cass tapped Danny, reminding him to eat some food.

"Tt. Of course not. They're efficient at their jobs and have no need to be seen as welcoming to criminals." Damian puffed up.

"Yeah, but they've gotta feel safe, right?" Danny shrugged as he plucked a cookie from the cookie platter. "The... one with the sword, what was it?"

"Robin." Damian supplied, eyes narrowed and trained on him.

"Yeah, the baby bird. The kids think his swords are cool so they trust him. But like, the others? The flippy blue one? Not so much."

"Wait," Dick said from the floor. "They don't trust Nightwing?"

"Nah, they trust him to protect them, but he has a history of bringing the kids to the police, you know?"

"What's wrong with that?"

Danny shrugged. "ACAB. But also because everybody knows that half the guys in the GCPD and CPS are child traffickers."

"Wait, what?" Jason and Tim straightened.

Bruce piped in, the emotional whiplash of amusement to concern to amusement to concern visibly making itself known on the man's baffled face. "I thought Batman and Commissioner Gordon took care of that?"

"Sure, the obvious ones." Danny hesitated. Well, he's pretty sure they think he's a meta so... "There's... a meta trafficking ring that they're a part of. That's. That's kind of what I was running from."

Danny looked up pleadingly. Cass placed a hand on his arm in comfort, not knowing that he was fibbing about running from them.

Danny was on the streets helping his own Alley metas to run from them.

Danny is as feral as she was, and that meant he could hide just as much as she could read off of him. Cass was the best and he felt kind of bad about lying to her, successfully or not.

"Uh. Some people said you know Batman, Bruce. I know- uh, that might not be the case but if you do, could you ask him to look into it?" Danny made his eyes tear up. "And maybe he wouldn't care about me much, I mean, I know he doesn't really like metas but if he helps out, I could totally like, leave the city once the kids are safe, promise."

Ooh, Danny put a little too much sincerity into that. He could practically hear the hearts breaking in the game room as everyone glared at Bruce.

"You won't have to leave."

"... Promise?" And Danny's voice was a little too desperate, too hopeful, because Bruce's eyes tugged down in sadness.

"Promise." He rumbled, all Bruce Wayne and all Batman. Danny's core warmed. Danny also saw the rest of the family's faces darken in pure agreement. And partial wrath.

"Yeah! We'll kick Batman's ass if he even thought about kicking you out!" Stephanie proclaimed.

"He's far more proficient in combat than you are, Brown." Damian immediately leapt to Batman's defense and that was that.

Well, later, as Danny was "sleeping" and Phantom was hovering in the cave, invisible and intangible, he got confirmation that his Alley meta kids were going to be safe, soon.

After all, the entire Batclan was suiting up and baying for blood, with Oracle's all encompassing presence behind them, fingers reaching for their enemies' weak points.

[ink-spire]

Financial Harmony: Navigating Shared Goals Through Couple's Financial Planning

Picture this: you and your partner, hand in hand, embarking on life’s journey together. As you build a life filled with love, laughter, and shared dreams, there’s another crucial aspect that deserves your attention – your finances. Financial planning might not be the most romantic topic, but it’s a cornerstone of a strong and harmonious partnership. In this blog, we’ll delve into the significance…

[scribeanand]

Financial Planning Before Marriage

[investsmartamerica]

The Art of Maximizing Social Security Benefits: A Guide to Boost Your Retirement Income Benefits

🎉 Welcome back to the InvestSmartAmerica channel! Today, we're diving deep into the world of Social Security benefits. 💵📈 Are you looking to maximize your retirement income? You're in the right place! In this video, we'll guide you through the ins and outs of Social Security benefits, providing you with the knowledge you need to boost your retirement income. We'll cover everything from understanding your benefits to strategic planning to get the most out of your Social Security. Don't forget to like 👍, comment 💬, and subscribe 🔔 for more financial freedom content. Let's secure your future together with InvestSmartAmerica! 💪💰

[fiercynn]

on ao3's current fundraiser

apparently it’s time for ao3’s biannual donation drive, which means it’s time for me to remind you all, that regardless of how much you love ao3, you shouldn’t donate to them because they HAVE TOO MUCH MONEY AND NO IDEA WHAT TO DO WITH IT.

we’ve known for years that ao3 – or, more specifically, the organization for transformative works (@transformativeworks on tumblr), or otw, who runs ao3 and other fandom projects – has a lot of money in their “reserves” that they had no plans for. but in 2023, @manogirl and i did some research on this, and now, after looking at their more recent financial statements, i’ve determined that at the beginning of 2024, they had almost $2.8 MILLION US DOLLARS IN SURPLUS.

our full post last year goes over the principles of how we determined this, even though the numbers are for 2023, but the key points still stand (with the updated numbers):

when we say “surplus”, we are not including money that they estimate they need to spend in 2024 for their regular expenses. just the extra that they have no plan for

yes, nonprofits do need to keep some money in reserves for emergencies; typically, nonprofits registered in the u.s. tend to keep enough to cover between six months and two years of their regular operating expenses (meaning, the rough amount they need each month to keep their services going). $2.8 million USD is enough to keep otw running for almost FIVE YEARS WITHOUT NEW DONATIONS

they always overshoot their fundraisers: as i’m posting this, they’ve already raised $104,751.62 USD from their current donation drive, which is over double what they’ve asked for! on day two of the fundraiser!!

no, we are not trying to claim they are embezzling this money or that it is a scam. we believe they are just super incompetent with their money. case in point: that surplus that they have? only earned them $146 USD in interest in 2022, because only about $10,000 USD of their money invested in an interest-bearing account. that’s the interest they earn off of MILLIONS. at the very least they should be using this extra money to generate new revenue – which would also help with their long-term financial security – but they can’t even do that

no, they do not need this money to use if they are sued. you can read more about this in the full post, but essentially, they get most of their legal services donated, and they have not, themselves, said this money is for that purpose

i'm not going to go through my process for determining the updated 2024 numbers because i want to get this post out quickly, and otw actually had not updated the sources i needed to get these numbers until the last couple days (seriously, i've been checking), but you can easily recreate the process that @manogirl and i outlined last year with these documents:

otw’s 2022 audited financial statement, to determine how much money they had at the end of 2022

otw’s 2024 budget spreadsheet, to determine their net income in 2023 and how much they transferred to and from reserves at the beginning of 2024

otw’s 2022 form 990 (also available on propublica), which is a tax document, and shows how much interest they earned in 2022 (search “interest” and you’ll find it in several places)  

also, otw has not been accountable to answering questions about their surplus. typically, they hold a public meeting with their finance committee every year in september or october so people can ask questions directly to their treasurer and other committee members; as you can imagine, after doing this deep dive last summer, i was looking forward to getting some answers at that meeting!

but they cancelled that meeting in 2023, and instead asked people to write to the finance committee through their contact us form online. fun fact: i wrote a one-line message to the finance committee on may 11, 2023 through that form, when @manogirl and i were doing this research, asking them for clarification on how much they have in their reserves. i have still not received a response.

so yeah. please spend your money on people who actually need it, like on mutual aid requests! anyone who wants to share their mutual aid requests, please do so in the replies and i’ll share them out – i didn’t want to link directly to individual requests without permission in case this leads to anyone getting harassed, but i would love to share your requests. to start with, here's operation olive branch and their ongoing spreadsheet sharing palestinian folks who need money to escape genocide.

oh, and if you want to write to otw and tell them why you are not donating, i'm not sure it’ll get any results, but it can’t hurt lol. here's their contact us form – just don’t expect a response! ¯\_(ツ)_/¯

[drdarienzo]

Financial Harmony: Navigating Pre-Marital Financial Planning for a Smooth Marital Journey

A key, yet frequently disregarded, component of pre-wedding preparations is financial planning. Let’s highlight its importance and detail essential financial considerations for couples preparing for marriage. Gaining a complete understanding of each partner’s financial situation is a critical initial step. Each individual should honestly disclose their earnings, debts, assets, and financial…

[privoapp]

Secure Your Future Together: A Comprehensive Financial Planning Guide for Couples

Are you and your partner looking to build a secure future together? Look no further! Our comprehensive guide for financial planning is specifically designed for new age couples like you. Whether you're just starting out or have been together for a while, this guide will provide you with practical tips and strategies to help you navigate the world of finances as a couple.

At Privo: Instant credit line, we understand the importance of setting goals, managing debt, and creating a solid plan for a stable financial future. That's why we've curated a range of valuable insights and advice to assist you on your journey.

Discover the benefits of joint financial planning and learn how to align your financial aspirations with your life goals. Our guide will help you understand the essentials of budgeting, saving, and investing wisely, ensuring you make informed decisions that benefit both of you.

With our easy-to-follow recommendations, you'll gain insights into optimizing your income, managing expenses, and building an emergency fund. We'll also provide you with valuable tips on navigating debt, including strategies for effective debt management and debt reduction.

Ready to take control of your financial destiny as a couple? Visit our blog at https://privo.in/blog/financial-planning-for-new-age-couples to access our comprehensive financial planning guide for new age couples. Together, you can forge a path towards a secure and prosperous future.

Start your journey towards financial stability and harmony today! Click here to read our guide: [https://privo.in/blog/financial-planning-for-new-age-couples]

[4phr0d17e]

.