If you have children, you can gift them the land (it exceeds the annual cap so will count toward $12.8mm lifetime cap). If I’m not mistaken, they will receive the land on a stepped up basis (meaning they only pay tax above the market value that they received it at). This is subject to I believe some period of recapture but should work.

All chocolate prices have risen, including baking chocolate.

Give an example please. Can you share exactly what was the promo offer and what was the bet to make 3k? To me it sounds like you got lucky instead of you getting “free” money.

If you can’t trust your spouse not to spend your rent money that’s a bigger issue than any bank account setup can solve.

If we are sharing anecdotes, I’ve actually seen more problems with completely joint accounts. You get into arguments like “how can you spend so much on shoes” vs “I can’t believe you spent that much on tickets to a game”. You end up discussing every purchase to make sure the other is ok with it and it gets taxing

By not gambling.

You take advantage of promo offers and boosts. Just takes some basic math and you'll come out ahead.

We just finished a DC trip and made almost $3k. Going back tomorrow since they sent some more offers this week.

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I think you assume that we are gambling. We're not.

We take the guaranteed money 99% of the time.

We do bet on games that we'll be watching though, but we can do without that.

Uses more fuel!

Can you tell me more about how I can make easy money by gambling?

How will you know the easy money is gone, it could be a bad streak

it makes you feel like the money in your account is yours and not "ours"

you can buy yourself something special without feeling guilty about it.

This is very true. Studies have shown that we retain less and read slower on screen vs paper. Reading aloud helps engage other faculties in the process.

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It won't though. Once the easy money is gone we'll just stop doing it.

Better advice dont get married.

But seriously every relationship is different and has different boundaries and needs.

I think it's fine advice for some people.

It's an efficiency thing.

I never understood this; we share our income into 1 account and I couldnt possibly imagine doing it differently

Until it becomes an extra expense

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Been doing this for 30 years, 60% of net pay into a joint, what we call, house account,.

Seems to work but you do you.

Good luck

I’m not going outside anymore

This is VERY bad advice lmao

For some people, sure.

It's just extra income for us.