I like this idea. I could go for it, but I'll see if I can convince hubby.

We're both 32, and I'd say we live in a medium to HCOL. We live in California, but not like San Francisco expensive.

Hmm. We're about 61/39.

Now that I see the numbers, it doesn't seem fair to split 50/50 although that's what we did prior to getting married, and we had a lot of changes happen last summer. I started earning more and simultaneously, he took a pay cut to get into an industry where he will eventually get paid more than me. But he's still entry level right now, so it'll take a long time to get there.

And yes! All the excess money from rental income stays contained in my checking/savings combo that is only used for that property. I don't touch it at all, but it's there in case any maintenance or repairs need to happen.

I'm not sure what you mean here. Put 3250 into one Roth IRA and then 3250 into another Roth IRA?

Also I've already been maxing out my Roth for years, so I don't think that would change much as far as how I'm saving.

Or do you mean like doing a backdoor conversion of some kind?

He does not. I have slightly more in savings than he does, but we're not too different. I think it's the shift in mindset of being independent for the first 14 years of adulthood to suddenly being a team that we are grappling with.

Yeah, I'm thinking the HYSA is the way to go right now for the liquidity. And the rates are not bad right now!

I suspect this is more of a him problem than a me problem, though I struggle with it, too.

For example, I suggested that now that we are a team, maybe we should give a heads up when making a large purchase. My threshold for a "large purchase" was $300 and he didn't think we should need to tell each other unless we were purchasing something $5000 and above. Also I only just got him to give me visibility into his accounts last night so that we could come up with a budget.

Like I said, we are newly married (a few months) so we are slowly trying to wrap our heads around everything being joint.

We just started having nightly check ins and weekly budget discussions, so I can bring up the idea of me putting it more, based on our percentages of income.

60k in my Roth IRA. 7k in my 401k (I've been with this company a long time, and they only started it last year).

I know I'm a bit behind here.

Income: 95k

Savings: About 30k by myself, 6k in the joint (I seeded 3 and he seeded 3)

Debt: I have a 14k car loan at 0% interest for 6 years.

I have about 135k left on a mortgage of a house I owned prior to marriage. It's being rented out to tenants at a rate ($1600) that exceeds the monthly payments ($1050). This house and income are being kept separate from our joint finances and I have no plans to ever sell.