I like OPs solution much better. Works great in my marriage.

Oh 1000% that's why I'm rooting for you. They're trying to lure in people with the free bets so they can take their money. Glad you figured out a way to take some of it back.

Omgosh dude you’re so much more observant than the rest of us

Completely disagree. I've attended The Thanksgiving of someone I absolutely hated, but she was a co-worker. I even bought the pie and a side. That wasn't me. That was the situation I was in. I really really disliked her.

And I'm pretty sure she was stuck in a similar situation, and why she had to invite me also.

That’s right. We’re a team and we do everything together. Money is just a tool. We have “fun money” that’s our own but everything we make goes through our budget and bank account. We’re not “partners”, we’re married. Business partners care about money first. Married people care about each other first.

This is great advice, made us both much happier in our marriage. Sure it’s possible to share an account and make it work, but that definitely doesn’t work for everyone. It’s much harder to go from sharing one account to splitting, because the suggestion is always taken personally. If you’re in a new relationship and especially if you are someone who is high income, frugal, or an aggressive saver, do your self a favor and follow this tip from day 1.

They have no problem screwing customers so I'm just trying to fight back lol

But it is a source of income. Has been for the last 2 years.

I know people have a hard time grasping the concept because all they see is "sportsbetting" but you can use it to make guaranteed income if you have the discipline.

I'm old, in my 60's. We tried this when we first got married and just found it easier to use a joint account. I can see the benefits both ways.

Dude good shit on gaming the system!

Least convincing thing that could have been said. It only becomes a problem when you consider it a source of income.

That's the automatic thoughts, internalized beliefs. Some come from beliefs that you consciously hold and others from what you have taken in from your environment and culture.

It's really interesting to identify these, you learn a lot about yourself.

The better tip would be to prepare your kitchen for what you are doing and make sure you have a clear path to what ever you need also rule #1 never catch something that is falling it will almost always end badly.

Same situation with us. My partner and I have a joint account that we each pay into proportional to our income (which amounts to ~50% of our income each) to cover rent, bills, pet expenses, fun stuff we do together, stuff for the house... The rest of our money stays in our own separate accounts for us to use on stuff we do without the other person (hobbies, hangouts with friends, clothing, personal purchases). It's worked super well so far!

As an example, one couple I know has the husband making significantly more. The husband contributes 80% of their earnings so that they both can live in a nice apartment in the nice part of town. The wife contributes 50% of her income and keeps 50% so that she has a similar amount of personal spending. They discussed this and were fine with it.

I think after making this one decision, they no longer have to have discussions each time someone spends more than x amount for a completely joint account

In that situation, sperate accounts won't fix overspending. All it would do is force one spouse cover for the other spouse's spending habits.

Just pay 50% of all the bills and common stuff every couple weeks or something

10 minutes of yoga a day has made a big difference for me. Not magic, but takes the temp down within a few days. I picked up both anxiety and the yoga unit over Covid, and it’s pretty easy to stick to with a couple videos on YouTube. I even set my morning alarm to be a “yoga you can do in bed” alarm and it really helps

I put 100% of my paycheck after savings (joint savings) into the joint account. She puts 100% of her check. We get an allowance every Friday. We're a couple, everything is shared. Also a huge income disparity between us means if I kept 50% of my income, I'd be pocketing more than her monthly take home. That is far from fair in a marriage.

I hope there's a /s you're missing.

One of us likes to impulse buy cheaper things, the other likes to save up and buy more expensive things.

Having a joint account + individual accounts helps take away the stress that having differing spending habits has on a marriage.

Protip: If you feel like having individual accounts sets up the field for "cheating" you can have multiple "joint" accounts at the same bank. Keep a real "joint" account, and have 2 additional "joint" accounts you treat as individual accounts.

Exactly. The above advice only really works if incomes are similar. In my household I make 4x what my S/O makes. If we both contributed 90% of our incomes, I would have a lot left over. Instead we get an even, weekly allowance, that we adjust based on our bills/debts. Less debt = more allowance. I don't make comments about how she spends her allowance, and she doesn't comment about how I spend mine.

But how does that affect flushing a toilet, which is a gravity fed process?

What has helped my anxiety immensely:

• twice a day (I do first thing in the morning & right before bed), on an empty stomach (this means at least 2 hours after eating anything substantial with fat/protein, like, an apple is fine, & at least 20 minutes before eating anything) I take GABA (People will say GABA doesn't cross the blood-brain barrier; it does, just not all of it)
• same thing as above at night with magnesium TAURATE-- has to be taurate
• take CBD on an as-needed basis, it's more effective on an empty stomach as well
• at least once a day I do guided meditation (yoga nidra or non-sleep deep rest) for at least 10 minutes

You can mess around with your own dosages till you find out what works for you. Know that excess magnesium can cause loose stool.

I don't know how that could be achieved without it being unfair to the one spouse who has to give up a higher percentage of their spending money.