Episodes
How One Couple Turned a Debt Snowball Into a Shared Victory
When one partner in a marriage carries significant student debt and the other has savings, the usual advice is to keep finances separate. But in this episode, Lucas and Luna dissect a real couple's decision to merge their money and attack the debt together, turning a source of tension into a team project. They walk through the specific steps: a joint budget worksheet, weekly money dates, and a rule that each partner keeps a personal no-questions-asked allowance. The result? They paid off…
How One Couple Handles Money After a Serious Illness
When one partner is diagnosed with a serious illness, the financial plan often breaks. In this episode, Lucas and Luna explore how one couple, Sarah and Dan, restructured their finances after Sarah's cancer diagnosis in 2025. They moved to a one-income household, navigated insurance gaps, and set up a 'medical slush fund' to protect their long-term savings. Lucas breaks down the specific steps they took, from re-evaluating emergency funds to adjusting retirement contributions, and why they…
How One Couple Split Money Fairly After a Big Raise
In this episode of Money for Couples, Lucas and Luna tackle a tricky money moment: what happens when one partner gets a big raise. They break down the real-life story of a couple where one income jumped by 40 percent, and how they used a proportional split of shared expenses — not a flat 50-50 — to avoid resentment and keep their money conversations honest. You'll hear the specific numbers they ran, the three rules they set, and the one question every couple should ask before adjusting their…
How One Couple Split Expenses With a Proportional Split
In episode 159, Lucas and Luna explore the proportional expense split, where each partner contributes a percentage of their income rather than an equal dollar amount. Using the example of Alex and Jordan, a couple with a 120k to 60k income gap, they break down the math, the fairness debate, and the practical steps to set it up. They discuss how a proportional split can reduce resentment, adapt to income changes, and still leave room for personal spending. Lucas explains the difference between…
How One Couple Split Rent and Mortgage Payments Fairly
In episode 158 of Money for Couples with Fexingo, Lucas and Luna explore how one couple navigates the tricky common situation of one partner owning a home while the other pays rent. They break down a real-life case: a couple where one person bought a condo before marriage, and the other moved in, leading to an awkward rent-versus-mortgage conversation. The episode covers the three main approaches they considered—splitting market rent, splitting actual costs, or a hybrid that builds equity for…
How One Couple Handles Money When One Spouse Owns a Small Business
In this episode of Money for Couples, Lucas and Luna explore how a couple can handle money when one spouse owns a small business. They talk through a real case: a graphic designer whose income swings wildly month to month, and how she and her husband built a system that keeps their personal budget stable. They cover the idea of a 'paycheck' from the business, how to handle irregular income with a buffer account, and why separating business and personal money matters more than you might think.…
How One Couple Split Bills Fairly When Incomes Shifted
When one partner's income drops, joint finances can get tense. In this episode, Lucas and Luna explore a real couple's story—Mara and Dev—who faced a 30 percent income drop when Dev switched careers. Instead of renegotiating their 50-50 split, they built a proportional system tied to each month's actual earnings. Listen as they unpack the mechanics: how they calculated percentages, set up separate accounts, and scheduled monthly check-ins that kept resentment at bay. You'll learn one practical…
How One Couple Does a No-Blame Money Reset After a Job Loss
When one partner loses a job, the money talk can get tense fast. In this episode, Lucas and Luna unpack how one couple handled a layoff with a structured, no-blame money reset: a three-step 'state of the union' that separated facts from feelings, a 90-day spending pause, and a shared 'income runway' number that made the anxiety concrete instead of abstract. They break down why the first money conversation after a job loss usually goes wrong (it's about identity, not arithmetic), how to reframe…
How One Couple Plans Money When Caregiving Calls
When a parent's health crisis interrupted their careers, this couple had to rethink every financial plan they'd made. In this episode, Lucas and Luna explore how one couple built a caregiving budget, renegotiated their savings goals, and created a shared decision-making framework that could handle the unexpected. They break down the specific numbers: the emergency fund they rebuilt, the reduced retirement contributions, and the new line item for travel and unpaid leave. If you've ever wondered…
How One Couple Handles Money When One Spouse Stays Home
In this episode of Money for Couples, Lucas and Luna explore the financial dynamics when one partner becomes a stay-at-home parent. They dive into the story of a couple who navigated the transition with a clear-eyed plan: they set a 'salary' for the stay-at-home spouse, created a career re-entry fund, and scheduled monthly money dates to keep communication open. Lucas breaks down the numbers behind compensating unpaid labor, referencing that the average stay-at-home parent would earn over…
How One Couple Stopped Arguing About Money With a Spending Pact
In this episode of Money for Couples, Lucas and Luna explore how a simple spending pact helped one couple end repetitive money arguments. They break down the story of Alex and Jamie, who agreed on a $100 rule for discretionary purchases and a monthly money date to review spending. Lucas explains the psychology behind spending triggers and the power of structured disagreements, while Luna shares practical tips on setting thresholds and creating a joint decision-making framework. The episode…
How One Couple Merged Finances Without Losing Autonomy
On this episode of Money for Couples with Fexingo, Lucas and Luna explore a common tension in joint finances: how to combine money while keeping a sense of personal autonomy. They dig into the 'yours, mine, and ours' model — where couples maintain separate accounts for personal spending and a joint account for shared goals. Using the example of a couple, Maya and Daniel, they break down how this system works in practice: how they split contributions proportionally to income, set up automatic…
How One Couple Splits Expenses With a Recurring Money Date
In this special 150th episode of Money for Couples, Lucas and Luna explore the power of a recurring money date — a simple ritual that helps couples stay aligned on spending, saving, and long-term goals without the drama. They dive into the story of Priya and Marcus, a couple who turned their monthly finance check-in into a stress-free habit after years of avoiding the conversation. The episode breaks down the practical mechanics: how to set the agenda, what to review, and how to keep it from…
How One Couple Handles Money When One Spouse Earns More
In this episode of Money for Couples with Fexingo, Lucas and Luna explore the delicate dynamics when one partner out-earns the other. They share the story of Maya and Tom, a couple who navigated income disparity without resentment or power struggles. The episode digs into practical strategies like proportional contribution, separate 'fun money' accounts, and regular money dates that keep the conversation open. Lucas highlights research showing that couples who discuss finances weekly are more…
How One Couple Made Peace With Unequal Retirement Savings
When Alex and Jordan hit their forties, they discovered a $310,000 gap in their retirement accounts. Alex had a 401(k) with a company match; Jordan, a freelancer, had barely started. The gap triggered resentment, fear, and a fight about fairness that nearly derailed their financial plan. In this episode, Lucas and Luna unpack how the couple rebuilt their retirement strategy around a shared vision, not a shared number. They walk through the 'future lifestyle budget' exercise that reframed the…
How One Couple Handles Money After a Windfall
In this episode of Money for Couples with Fexingo, Lucas and Luna explore a topic many couples face but few talk about: what happens when a sudden windfall—a bonus, an inheritance, or a surprise payout—lands in a shared life. They dive into the story of a couple who received a $200,000 inheritance and how they navigated the emotional and financial decisions that followed. From the initial shock to the long-term planning, they discuss the pitfalls of 'windfall mode,' the importance of a…
How One Couple Splits Bills Fairly When Incomes Shift
When one partner's income jumps or drops, the old 50/50 split stops making sense. In this episode, Lucas and Luna dig into the story of Priya and Daniel, a couple who switched from an equal split to a proportional one after Daniel's startup salary tripled in a year. They walk through the exact formula the couple used — each partner covers the share of joint expenses equal to their percentage of combined take-home pay — and why the move actually reduced friction over everything from groceries to…
How One Couple Fixed Their Finances After a Financial Infidelity
When Sarah discovered that her husband Tom had been hiding $12,000 in credit card debt, their marriage nearly fell apart. Instead of divorce, they chose to rebuild trust through a radical transparency system: weekly money dates, joint accounts with no secrets, and a shared budget that gave both of them a voice. In this episode, Lucas and Luna explore how Sarah and Tom turned financial infidelity into a stronger partnership, breaking down the steps they took to regain trust, communicate honestly…
How a Monthly Money Date Fixed Their Retirement Plan
In episode 144 of Money for Couples, Lucas and Luna explore the story of Priya and Marcus, a couple in their late forties who discovered that their retirement plan had drifted far off course. The trigger? A single overlooked auto-renewal subscription and a forgotten 401(k) from Marcus's old job. Through their monthly money date, they found a $250 monthly leak and a rollover that boosted their projected retirement income by over 15 percent. Lucas breaks down the three-step framework they used…
How One Couple Handles Money After One Retires Early
In this episode of Money for Couples, Lucas and Luna explore how one couple navigated the financial and emotional shift when one partner retired early at 55. They discuss the surprising spending changes, the importance of a 'fun budget,' and how the couple renegotiated their financial roles. With practical tips on handling income gaps and keeping communication open, this episode offers a real-world look at early retirement as a team sport. #EarlyRetirement #CouplesFinance #RetirementPlanning…
How One Couple Retired Early by Sharing One Bank Account
In this episode of Money for Couples, Lucas and Luna explore how a couple in their early forties achieved financial independence and early retirement by pooling all their income into a single joint account. The episode breaks down the specific mechanics: they set a shared spending target of $45,000 a year, tracked every dollar together, and used a 'one yes, one no' rule for purchases over $200. Lucas and Luna discuss why a single account can actually reduce conflict by forcing full…
How One Couple Ditched Their Joint Budget for a Money Date
In episode 141 of Money for Couples, Lucas and Luna explore a refreshingly simple idea: what if the weekly budget meeting became a money date? They dig into the story of Priya and Marcus, a couple in Austin who threw out their overly detailed spreadsheet and replaced it with a thirty-minute Friday ritual over takeout. The key numbers: they cut their monthly financial admin from eight hours to two, and their savings rate went up six percentage points in six months. Lucas breaks down the…
How One Couple Handles Money When One Is Self-Employed
In this episode, Lucas and Luna explore how Maria, a freelance graphic designer, and David, a software engineer, navigate the financial stress of variable income. They share the system that saved their marriage: living on the stable salary, setting aside 30% of freelance earnings for taxes, and building a six-month emergency fund. With concrete numbers from the Federal Reserve and real talk about communication, this episode offers a blueprint for any couple dealing with income unpredictability.…
How This Couple Handled a Big Equity Grant Together
When Sarah, a tech engineer, received a large RSU grant, she and her husband Mike had to decide what to do with it. Should they sell immediately? Hold? How do you integrate variable equity income into a joint budget when one partner's salary is stable? In this episode, Lucas and Luna unpack one couple's one-page agreement for handling stock compensation—covering tax strategy, diversification, emotional ownership, and the conversation that kept the money from driving a wedge. If you've ever…
Combining Finances in a Second Marriage One Couples Story
Jen and Mark married in their late 40s, both with kids from previous marriages and separate financial histories. In this episode, Lucas and Luna walk through how they merged checking accounts but kept separate investment portfolios, used a joint credit card for household expenses, and set up a trust to ensure each child's inheritance was protected. They also discuss the awkward moment when Jen discovered Mark's $15,000 credit card debt he hadn't mentioned, and how they created a 'financial date…
How One Couple Handles Money After Having a Baby
New parents Rachel and Matt share how they navigated the financial shock of their first child: from daycare decisions to 529 plans and term life insurance. Lucas and Luna break down the numbers behind the $310,000 cost of raising a child, offer budgeting tips for the first year, and discuss how to balance saving for college with retirement. A practical episode for any couple expecting or recently welcomed a baby. #MoneyForCouples #Finance #Parenting #BabyBudget #ChildcareCosts #529Plan…
How One Couple Solved Investment Risk Disagreement
Lucas and Luna explore how one couple, Mike and Rachel, navigated a classic financial tension: one partner wants aggressive stock growth, the other prefers safety. With $300,000 saved for both a house down payment and retirement, they couldn't agree on a portfolio. The solution? A core-satellite approach that gave each a say, plus separate mental accounts for different goals. This episode offers a practical framework for couples with conflicting risk tolerances, including how to talk about past…
How One Couple Handles Money When Incomes Diverge
Sarah earns $120,000 as a marketing director; Mark earns $40,000 as a middle-school teacher. For years they split joint expenses 50-50, but that left Mark with almost no disposable income and growing resentment. In this episode, we break down how they redesigned their system around proportional contributions—Sarah covers 75% of household costs, Mark covers 25%, and each keeps the rest for personal savings and spending. We walk through the numbers, the emotional shift from 'fair' to 'equitable,'…
How This Couple Navigated Prenup Talks Without Drama
In this episode of Money for Couples, Lucas and Luna explore how one couple—Maya, a marketing executive, and David, a freelance designer—approached prenuptial agreements as a practical financial tool rather than a trust issue. They share how the conversation started, what clauses they included, and how it actually strengthened their communication. Listeners learn why prenups are becoming more common among younger couples, what specific items to consider (like intellectual property and…
How One Couple Teaches Kids About Money Without Family Fights
In Episode 133 of Money for Couples with Fexingo, Lucas and Luna explore how Miguel and Priya, a couple with two young children, built a system for allowances, college savings, and personal spending that actually works. They've managed to avoid the typical arguments over treats and chores by agreeing on a monthly 'family money meeting' and using a three-jar approach for each kid. Plus, they share how they save for college without derailing their own retirement. If you're a parent wondering how…
How Emily and Jake Paid Off Student Loans as a Team
Nearly 43 million Americans carry student loan debt, and for couples, managing that debt together can be a major test of trust and teamwork. In this episode, Lucas and Luna examine the story of Emily and Jake, a couple in their early thirties who faced a $60,000 student loan balance that belonged to one partner. They discuss how the couple navigated the emotional and financial challenges, from deciding whether to combine accounts to setting a five-year payoff plan that required trade-offs like…
How a 100-Dollar Allowance Saved This Couples Finances
After years of tension over small purchases, Sarah and Tom—married five years—landed on a surprisingly simple solution: each gets a monthly 'no-questions-asked' allowance of $100. In this episode, Lucas and Luna break down how the system works, why it eliminated their guilt and resentment, and how they handle bigger expenses together. They also touch on the psychology of personal spending buckets and how small, consistent habits build trust in a marriage. If you've ever bristled when your…
How One Couple Handles Money When Starting a Business
Entrepreneurship can test a marriage's financial foundation. In this episode, Lucas and Luna talk to Sarah and Mark — a Portland couple who navigated the launch of a specialty bakery while Mark kept his corporate accounting job. Sarah walked us through their two-year savings plan ($50,000 in a dedicated startup fund), their decision to use a business line of credit instead of dipping into retirement accounts, and the written 'business non-compete' they signed to protect their joint household…
How One Couple Handles Money After a Spouse Inherits a Business
In episode 129 of Money for Couples with Fexingo, Lucas and Luna explore the financial dynamics that unfold when one spouse inherits a family business. Using the real example of a listener named Jenna, whose husband unexpectedly inherited his father's plumbing company in 2025, the hosts break down the three-part tension: valuation disputes, income continuity, and the emotional weight of legacy. They discuss how the couple navigated a six-month transition period, the role of a neutral…
How One Couple Handles Money After a Job Loss
When one partner loses their job, it can strain even the strongest relationship. In this episode, Lucas and Luna unpack the story of Sarah and Mark, a couple who navigated six months of unemployment after Mark was laid off from a mid-level marketing role. They explain how the couple created an emergency budget, tapped their safety net in the right order, and maintained honest communication without blame. Along the way, Lucas reveals the single most important number to track during job loss…
How One Couple Handles Money When One Is a Spender and One Is a Saver
In this episode of Money for Couples with Fexingo, Lucas and Luna dive into the classic spender-versus-saver dynamic. They explore a real couple's story—where one partner loves to spend on experiences and the other hoards every dollar—and break down the specific strategies that helped them stop fighting and start planning together. You'll learn about the 'allowance method,' the power of a shared 'fun fund,' and why some experts say it's not about changing your partner but about system design.…
How One Couple Handles Money After One Returns to School
Lucas and Luna explore the financial strategy of a couple where one partner goes back to school for a career pivot. They break down the numbers: a $45,000 tuition bill, a two-year income gap, and the 'side-hustle bridge' that covered 60% of lost income. The episode walks through the decision to use a 529 plan for the spouse, the tax implications of paying tuition with a Roth IRA, and the communication framework that kept resentment at bay. Specific, actionable, and grounded in a real couple's…
How This Couple Handles Money After One Retires Early
In this episode of Money for Couples with Fexingo, Lucas and Luna explore how one couple, Mark and Sarah, navigated the financial and emotional shifts when Mark retired at 48 while Sarah continued working. They discuss the specific strategies Mark and Sarah used to transition from dual-income to single-income territory, including how they handled the retirement savings withdrawal order, adjusted their spending categories, and managed the psychological weight of being the sole earner. Lucas…
How One Couple Handles Money After a Career Change Midlife
In this episode, Lucas and Luna explore how couples navigate financial transitions when one partner makes a major career change later in life. They break down the real-world story of Sarah and Tom, a couple in their late forties who faced a 40 percent income drop when Sarah left corporate law to become a high school teacher. Lucas highlights key financial moves they made: building a two-year income bridge using savings and a home equity line, restructuring their budget to cut fixed costs by 30…
How One Couple Manages Money with Separate Bank Accounts
Lucas and Luna explore the 'yours-mine-ours' approach to joint finances through the case of Sarah and Mark, a married couple in Austin who have kept separate checking accounts for ten years. They share how they split shared expenses proportionally to income, manage savings goals individually, and handle unexpected costs like a roof replacement. The hosts discuss the psychological benefits of autonomy in marriage and the potential pitfalls, including when one partner earns significantly less or…
How This Couple Tackled Their Financial Infidelity
Discover how one couple uncovered a secret credit card debt and rebuilt trust through radical transparency. Lucas and Luna explore the emotional and practical steps they took, from a 'financial confession' to a joint decision-making rule. Learn why financial infidelity is more common than you think and how couples can recover from hidden money habits. #FinancialInfidelity #CouplesFinance #MoneySecrets #DebtRepayment #TrustRebuilding #RelationshipMoney #JointFinances #MarriageMoney…
How One Couple Handles Estate Planning Without The Awkwardness
In this episode of Money for Couples with Fexingo, Lucas and Luna tackle the uncomfortable but essential topic of estate planning as a couple. They dive into the story of Marta and Tom, a couple in their early 40s who deferred estate planning for years until a close friend's sudden death forced the conversation. Lucas breaks down the three documents every couple needs — a will, a healthcare proxy, and a durable power of attorney — and explains why a simple will often suffices for couples…
How One Couple Handles Money After One Gets a Full-Time Job
When one partner transitions from freelancer or student to full-time employee, the financial dynamic shifts dramatically. In this episode, Lucas and Luna examine a real couple where the primary earner becomes the secondary earner, and how they rebuilt their budget, tax strategy, and power balance around a steady paycheck. They discuss the 'income shock' of losing flexibility, rethinking who pays for dates, adjusting life insurance, and why this transition often sparks the most productive money…
How One Couple Manages Money After One Starts a Side Hustle
In this episode of Money for Couples, Lucas and Luna explore how side hustles affect joint finances, using the real-life example of a couple where one partner started a part-time dog-walking business. They discuss the tax implications, the emotional tension around uneven income, and practical strategies for budgeting with variable earnings. Lucas shares data from a 2025 Bankrate survey showing 44% of Americans have a side gig, and Luna offers tips from a financial therapist on communicating…
How One Couple Manages Money When One Is a Stay-at-Home Parent
In this episode of Money for Couples with Fexingo, Lucas and Luna explore the financial dynamics when one partner becomes a stay-at-home parent. They break down the real numbers behind the decision, using a specific couple's story: Sarah, a former marketing manager who left a $72,000 salary to stay home with their two kids, and her husband Mike, a software engineer earning $118,000. They discuss how they reworked their budget, handled retirement contributions, and navigated the emotional shift…
How One Couple Shares Money After One Retires First
Episode 117 of Money for Couples with Fexingo explores a common but tricky milestone: when one partner retires before the other. Lucas and Luna break down a real couple's story — Sarah, 63, who retired last year from a teaching career, and her husband Mike, 61, still working as a software engineer. They walk through the specific financial tensions that emerged: shifting from two incomes to one, dividing daily expenses when one person now has more free time but less money, and renegotiating…
How One Couple Handles Money After One Gets a Big Bonus
This episode dives into the specific financial dynamics when one partner receives a large annual bonus—a common but rarely discussed scenario. Lucas and Luna talk through the real story of a couple where the husband, a tech sales VP, got a $120,000 bonus. They explore what can go wrong: lifestyle inflation, resentment, and lack of planning. The hosts break down three practical strategies that actually work for couples managing uneven, lumpy income: a 'bonus rule' with a 50-30-20 split (future…
How One Couple Finances After a Second Marriage
In this episode of Money for Couples with Fexingo, Lucas and Luna explore the unique financial challenges of second marriages. They dive into the story of a couple in their 50s—both divorced, both with pensions and adult children—who decided to keep separate accounts for personal spending and a joint account for shared expenses. Lucas breaks down the numbers: a $600,000 retirement portfolio that needed to be split between two separate trusts, a prenuptial agreement that protected their…
How One Couple Handles Money After One Starts a Side Hustle
In Episode 114 of Money for Couples, Lucas and Luna examine a real-life couple — Sarah and James — where James launched a side hustle selling vintage furniture on Instagram and Etsy. Within 18 months, his side income grew to outpace his salary, creating unexpected tension around fairness, joint budgeting, and tax strategy. Lucas walks through the numbers: how they decided to split the side-hustle profits (60% to joint savings, 40% to James's discretionary fund), how they handled quarterly…
How One Couple Retired Early on a Single Income
Lucas and Luna dig into the story of one couple who achieved financial independence and early retirement (FIRE) on a single income. They break down the specific numbers: a 65% savings rate, a paid-off house in a mid-cost city, and a portfolio built on index funds. The episode explores the trade-offs—especially around healthcare before Medicare—and the emotional side of leaving a career you're good at. Lucas and Luna also discuss how the couple handled the 'what now?' phase after reaching their…
Showing the latest 50 episodes. The full archive of 162 is on Apple Podcasts, Spotify and every major podcast app — or via the RSS feed above.