[poidos]

Two young professionals, no kids.

We each have our own bank account(s) and credit cards and our own budget in YNAB. I manage both budgets but only do hers when she’s present.

We agreed on what constitutes a shared expense ahead of time (mortgage, utilities, etc) and split them based on what percentage of last month’s household income (post-tax) each of us earned. This is variable since we both do some contracting/consulting outside of our day jobs.

For going out, vacations, shared groceries, etc., we just split things as we go. We have a joint savings account that we put the same amount of money in each month and use for travel etc.

A friend and his girlfriend have a joint credit card that they put all shared expenses on and split at the end of each month, but managing that in YNAB is not the smoothest so we haven’t done that yet. Might write some software to make it easier.

[nextweek2]

> Two young professionals, no kids

There’s an acronym for that.

DINK’s == Double Income No Kids

Net contributors to the economy.