My now wife and I had a shared checking account before we were engaged. We lived together and had shared bills, so we would both just put what we could into the shared account and pay the rent and utilities from there.
My wife’s ring is moissanite and cost like $900 at the time, she still pretty consistently gets compliments on it. I spent what I “saved” by avoiding a diamond on a down payment on a house back when that wasn’t 100k.
I didn’t have a savings account until my wife and I fully combined our finances. My checking was my savings. I’m not a big spender so it was never a problem.
A few problems with this, off the top of my head:
They’re presumably not even engaged yet, and yet they’re sharing a checking account?
Who the fuck would spend $15k on an engagement ring?
Why the fuck would you have $15k sitting in checking?
What dumbass ran up a 5-digit bill on an LLM API?
My now wife and I had a shared checking account before we were engaged. We lived together and had shared bills, so we would both just put what we could into the shared account and pay the rent and utilities from there.
My wife’s ring is moissanite and cost like $900 at the time, she still pretty consistently gets compliments on it. I spent what I “saved” by avoiding a diamond on a down payment on a house back when that wasn’t 100k.
I didn’t have a savings account until my wife and I fully combined our finances. My checking was my savings. I’m not a big spender so it was never a problem.
I got nothing here.
To help with 4)
Pricing models changed last month, and what was $500 is now like $15,000
There has been a lot of news of people hit with unexpected bills larger than that