The Prenup

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What do you feel about prenuptial agreements? Do you feel someone loves you less or does not have faith in your relationship if a prenup is presented?

Here is my take on it:

I agree with prenuptial agreements. I do not feel it deals with matters of the heart, but more of matters of security. If you have built something on your own, you did the research, you put in the hours, you threw up the capital for it, then how would you feel if you’ve gotten into a married that is ending and the judge says you owe HALF of what you earned to someone else?

  • I am not referring to something you created or developed while you were married, I am talking about something YOU planned and executed before getting married.

Prenuptial agreements can be a simple as writing out what is shared or protected during a divorce. The documents can be very detailed in explaining specific ‘Do’s & Don’ts’: infidelities, children, new businesses, already established businesses, obtained properties, stipends, living costs, etc. It may sound like a business proposition because a marriage IS a type of business, it’s a PARTNERSHIP. — There was a time when girls were only bred for marriage in exchange for some type of payment to her family, such as farm land.

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  • I’ve seen agreements be as specific as outlining if a wife delivers a son during the marriage, she will get an added 20K a year until the son turns 18 if they get a divorce before then. Another one stated that if the husbands commits infidelity, the wife can earn additional monies if they get divorced. (I would definitely want an infidelity clause included to address any children born outside of my marriage or transmitted diseases. — Bitch, you get nothing from me if you have babies elsewhere or give me a disease and if you are a well to do man, then in YOUR prenup, there should be an appendix that details some sort of accommodation for my pain and embarrassment.)

I do not believe it has anything to do with how much you love a person. I fully believe is has more to do with protecting your assets and both people have a say on what goes into the agreement. You can request an amendment to better benefit you if there is something you feel is unfair, of course all this will have to go through lawyers, but if you want something done, do it right and be thorough especially with things like this. Prenuptial agreements are best discussed with two people are “Happily in Love” because the details may be more generous as opposed to being in divorce court and you hating the way your ex-partner breathes.

My whole outlook on it is, If you weren’t shooting with me at the gym, why am I going to hand over the reward from all the training and hard work I put in just because we don’t want to be with each other anymore? — I’m not saying what’s mine is ONLY mine, I’ll share will you, but I am drawing a line with what you get from me if we decide to go our separate ways.

And think about this: If you are choosing to be with someone whom has not already created their own stability, then that person is going to look to you to provide that for them.

But one thing I know for sure, if I get married again it will be my last. Even if I’m fed up with him I'll still fix his plate, “You want potatoes or not, jackass?!”

PLUS, My Daddy says:

If he can’t take care of you as good as you take care of yourself, don’t waste your time and don’t start matching your first name with his last name.


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Extra Income

  • Keep studying.

  • Keep researching.

  • Keep learning.

  • Keep growing.

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As promised in my recent post about stocks (HERE), I am going to give some information on other ways to make extra income. — And this is not me telling you to do something without experience, all of these options are checked off on my list and then some. I enjoy doing it. — Plus, I refuse to outgrow or become too good for certain frivolous habits, so I need a little more play money….my people know how I am.

(NOTE: This list is the bare essentials of information, to put action to any of these items, you will need to put in the effort to research further and do the work.)

With most of these avenues, you barley have to leave your house. So you can be anywhere in the world and still make money daily…which is why I'm rarely far from my laptop and if I’m looking at my phone too often, it’s mainly because I set up a way to manage my extra income in the palm of my hand.

Plus, if you do your due diligence, all of these options are PANDEMIC PROOF!

1 - Sell your skills/knowledge - Utilize what you know, package it up, develop an audience and sell (this is one of the big money makers).

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  • What do you know how to do? If you are highly educated on a topic say for example, real estate, you can create a course that teaches people how to market, promote, and sell homes. You can also have a subscription membership where only paid members get the extensive insider details about real estate. Another example, if you have spent years in the corporate industry and have developed tools to help companies become more efficient, effective and more profitable, SELL WHAT YOU KNOW. Put together a package on what you can do in a specific field, organize it in a way that someone who is entry-level will be able to understand it. Then create advanced or follow-up lessons or courses.

    • It’s the same concept if you want to sell a service. In early 2019 I opened a photo studio. I had tiered prices for different options. I used a scheduling program to manage appointments and payments online. I even rented out my studio space to other photographers and to people who wanted to use my setups for their own needs. Towards the end of the year I was in the midst of looking for a larger space before the pandemic happened, so I decided it was best to put that task on pause for now (which has worked out in my favor by allowing me to focus more on other ventures.)

  • To promote yourself, link with other people in your field and BRAG about what you can do and keep bragging about it. Create social media ads/flyers about your skills and knowledge, and engage with people. Building your network goes hand in hand with building your audience which can turn into clients.

 
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2 - Monetize your website - Use tools like Adsense, Google Analytics, and Amazon features to make money when people visit your site. These features take a little IT knowledge and some thorough research. I began developing websites in the early 2000’s, so I know some basics about HTML coding and where to find the header/footer sections to paste tracking codes. (These days I use a unified platform host for my website that has all the features I need….no more extensive coding.)

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  • Adsense is a feature developed by Google that create ads on your website and anytime someone clicks on an ad, you earn money. You can even get paid for the amount of clicks your website gets.

  • Amazon Ads are like Adsense Ads, they populate on your website and when someone clicks on the ad, you earn money.

    • Neither Adsense or Amazon shares the person’s information with you if they click on an ad.

    • Free eBook: Amazon Ads Unleashed

  • Google Analytics is something I am still learning. This is great for active marketers, it gives you reports on how well your website performs and what people are looking at the most. (It gives you more comprehensive data than this, but I am still figuring out how to use this information to my benefit.) The whole purpose is you want more traffic to your website which will increase the potential of people clicking on Ads or Links that get you paid. So, if you can create popular content, you can achieve this goal.

3 - Referral Links - Take advantage of special links that pay you a commission when someone signs up or purchases through your link

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  • Referral Links can be use to send to people or published on your website or a social media post. Just like the ads, when someone clicks on the link and either signs up or purchases (depending in the link destination) you earn money.

  • I use this feature A LOT. Many times when you see a word or phrase on my site that is hyperlinked, it most likely leads to a page that gives me commission.

    • Again, just like the ads, these tools do not share anyone’s information with you if they signup or purchase through your link.

4 - eCommerce - Create a store and sell online. With so many user friendly eCommerce apps, there are many ways to sell almost anything you want online (this can be a big money maker too). You can sell on platforms as big as Amazon or more designate engines like Poshmark or Etsy.

  • We are a CONSUMER economy, which means we buy things…ALL THE TIME. Creating an online store can really help you rake in the dollars. Just like with selling your skills/knowledge above, you have to develop an audience. — What are you selling? Who are you selling to? How can you get their attention? How can you keep their attention so they come back to buy more?

  • You also what to make a profit, so I suggest making a spreadsheet of all your costs: inventory, packing supplies, marketing items/tools, any learning resources you had to purchase to advance your knowledge, and LABOR…YES, pay yourself too! Once you get that number, calculate what your selling prices should be.

For instance, I have a Vintage and Preloved shop on Mercari. It started out as a way for me to clean out my over-packed closets, but now it has turned into a very lucrative mini business where I sell vintage/preloved items from other sources and I even partner up with different small businesses and vendors to showcase their products as well.

Mercari is a very simple setup (you may have seen their commercials recently). But, I don’t just take photos of things, stick a price tag on it, and list it. No. Not only do I detail each item a best as possible, I also created a marketing and customer service/engagement plan. I made business cards, thank you notes, and discount flyers to place with each item that’s sold. I also curate collection of pieces and styles. Right now the most popular features in my shop is the “His to Hers” Collection where I re purpose mens shirts into women's fashion. (See images)

Aside from my Mercari shop, I have another store embedded into my website. With both, I am able to manage everything online. I even have a small team to assist with packing and shipping orders.

….Yah, ya girl here stays occupied.

SIDE NOTE: You know what I would like to see? “Adult Ice Cream Trucks” but instead of ice cream, it’s cocktails…well, I suppose you can do infused ice cream too. Just drive through neighborhoods playing Gin & Juice on the speakers and watch all the eager adults line up. Someone get the licensing together on that, I’ll be an investor.

5 - Rakuten - There is nothing you need to research or develop with this option. This is for anyone who shops, especially online (me). This service used to be called “Ebates” and it give you cash back when you shop at one of their participating retailers. Because I shop online A LOT, I have a Rakuten Extension next to my search bar in Chrome and it will flicker or a message will popup if I am shopping where I can earn money back through their link. (You may earn a small percentage, but trust me, it adds up when you spend too much!)

Lastly…

6 - Rental Properties - If you have some capital to invest or buy proprieties, I HIGHLY suggest this option and starting out, there is going to be a lot of paperwork and knowledge you will have to consume. Brace yourselves.

  • Before buying, research the area, taxes, HOA, schools, demographics, etc. Speak to the realtors often so they are fully aware of what you are looking for and the proposed plan for the property.

    • You also want to know about city ordinances and regulations about placing a property for rental. (Business licensing, Fire Marshall Inspections, Lease Length Protocols, etc.)

  • If you have the resources, elect purchasing foreclosed properties. You’ll buy at a lower cost and gain much turnaround in capital….and mentally prepare for renovations.

  • If your are purchasing outside of your residential city or state, opted for a local management service or someone you trust who lives in the area to help oversee the place for you. They can aide in any issues your tenants may have.

[I’d be remiss if I didn’t mention that you may need to pay taxes on any extra income; reference 1099 Tax Form. — Two things we’re not immune to is death and taxes.]

Don’t limit yourself when you are capable of so much more.


Men, this next part is for the women, but you can stick around and learn something.

Somebody’s MommaSomebody’s “The One Who Got Away”

Somebody’s Momma

Somebody’s “The One Who Got Away”

Ladies, let me tell you something….

You are the REASON of life. You are CREATIVITY. You are CHAOS and PEACE at the same time. You LOVE harder than any man can understand. You SACRIFICE more than the world will ever know. Warriors have SLAIN for us. We have birthed KINGDOMS. We sit on a desired THRONE. Do not accept anyone who does not value ALL of you.

Now, I’m not one to hop in and out of relationships or have a concern about being single for the rest of my life, but if you are actively seeking one, stick to your standards….And good luck, I hear the Lord is running out of husbands, so it's slim pickings out there. 😄 (My potential future husband is probably out here being a dumbass and running around with all the wrong women.)

And remember:

“If you’re a rider for him, make sure he is one for you too.”

Don’t create excuses on why he can't love you adequately…If you cannot value all of me, then you don’t deserve the most personal parts of me.

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To all you graduating teens and 20 somethings, life is just beginning, have your fun, make lasting friendships, make mistakes, but keep your focus. There are so many things now that can distract you from achieving the best version of you. Everyone w…

To all you graduating teens and 20 somethings, life is just beginning, have your fun, make lasting friendships, make mistakes, but keep your focus. There are so many things now that can distract you from achieving the best version of you. Everyone wants to party, be seen and look their best all for the attention. Stay keen on those around you and trust your instincts. Be mindful, fast money and fast men are just that, FAST…they come and they go. If a man is for you, he’ll show you. In the meantime, protect your peace, Sweetheart.

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P.S. - I flex better than some of you men.

P.S. - I flex better than some of you men.

This year isn’t over yet. There is still so much you can do to at least give 2020 three stars.

This year isn’t over yet. There is still so much you can do to at least give 2020 three stars.

 

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Try some of these SUGGESTed items:

Book: How to Make Sh*t Happen

Burn Sage to cleanse your personal space

THe aroma of essential oils can help mental wellness

a diffuser for your essential oils

 
 

Stock Market For Beginners (E-BOOK)

If you did not get a chance to catch this post when I shared all the basics about the Stock Market for FREE…

You can still get all the research I gathered when I began investing in the UPDATED 2021 eBook for just $12.


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Here are some key topics from the E-Book:

The are 2 major stock exchanges in the U.S.

  1. The New York Stock Exchange (NYSE)

  2. NASDAQ

Here are the basic Stock Terms: (There are 9 more listed in the E-Book)

  1. What is a STOCK? A stock is a type of investment that represents an ownership share in a company

  2. What is a SHAREHOLDER? A person who purchased a stock and now owns that stock which is a portion of a company.

  3. What is a STOCK PORTFOLIO? A portfolio is a grouping of financial assets such as stocks, bonds, commodities, currencies and cash equivalents, as well as their fund counterparts, including mutual, exchange-traded and closed funds. A portfolio can also consist of non-publicly tradable securities, like real estate, art, and private investments

Other Topics I Cover:

  • Conservative vs. Aggressive Investing

  • Stock Order Types

  • User-Friendly Apps for Beginners detailing features of each app

  • Book Suggestions

  • Author’s Notes

The eBook covers all the basic information to help you gain stock market knowledge so you can feel more comfortable about starting your investment portfolio today!

GET THE E-BOOK NOW


Here is another download with information on certain tech stocks.


OTHER WAYS TO MAKE MONEY

Here are more options outside of stock trading to gain added income:

  • Sell your skills/knowledge - Utilize what you know, package it up, develop an audience and sell

  • Monetize your website - Use tools like Adsense, Google Analytics, and Amazon features to make money when people visit your site

  • Referral Links - Take advantage of special links that pay you a commission when someone signs up or purchases through your link

  • eCommerce - Create a store and sell online. With so many user friendly eCommerce apps, there are many ways to sell almost anything you want online

*Later on, I’ll provide more comprehensive information that will feature tips on how to earn extra income. This may be great for those who have been furloughed or feel they are not making enough with their current employer. But remember, nothing is earned without putting in the work.


 
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Adieu 2019

Dress: JluxLabel | Tote: The Little Market

Dress: JluxLabel | Tote: The Little Market

What did 2019 teach you?

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Did you begin a new job, career, relationship, family…or did anything end for you this year?

Before we start, take a look HERE to review what current events happened this year. Remember anything? How did any of it effect you?

Personally, there were two and a half months that were my gut wrenching with still some residue today. I made some choices against my heart and allowed my head to take the lead…let me tell you, it wasn’t easy. Would I have been okay with choosing the latter?…Yes, of course, I would have made sure of it. But, those few assholes of months were mentally and emotionally challenging and since I am not one to point all blame towards others, it was some of my subconscious decisions that put me there…even if others are not aware of their choices, I’ve still got to take ownership for mine; self awareness.

Although, those months also opened different opportunities for me which are coasting into the new year…I see myself hosting many dinner parties. So yeah, 2019 and I had some battles but, not without a few blessings in between, and I’m still pulling my weight through.

To be fair, I am in good health, I didn’t lose any good friends, my career has not had any hiccups, my cars have all good tires, and my bank card never declined, so okay, this year wasn’t terrible. I suppose maybe nothing AMAZING happened to where I can write off this year as one to speak highly of. Don’t get me wrong, I had good moments but, the not so good moments won the gold medals.

Top: Forever21 | Skirt: Shein | Bag: MCM

Top: Forever21 | Skirt: Shein | Bag: MCM

When I speak with others, 2019 was not a best year for them either. To those of you who had a spectacular 12 months, drink a glass of sour milk! Just kidding, congratulations, you did everything right, sprinkle some pixie dust on me so I can fly through 2020. But for the rest of us, why did 2019 treat us like this? Did the planets not align correctly with the stars? Did I pick up the wrong crystals? Because I didn’t burn sage throughout my house? Because I missed moisturizing my face with rosehip oil each night? I curse too much? What is it?

Some people I know took some major loses this year, personally and financially and others didn’t go through any change at all; like my one friend who keeps going in circles with his relationship knowing his ladylove won’t change but, hoping one day she may. He just keeps trying and holding on even though they break up every 2-3 months…I don’t know why some of you men are so intelligent but yet, so fckn stupid at times. And my friend is a very successful, highly attractive, well-spoken, no baggage, dresses nicely, good teeth, and comes from a good family. Yet, I’ve seen him go through at least 2 failed relationships over the years while working on this third one (the first one, he messed up and admits to it but, his pride won’t let him go back. The second one, she was too young; in her twenties and still focusing on her studies. My dear friend is in his late thirties, not a large gap in age but mentally, they are at different stages in life. Although, I do like the second girlfriend the best and there is a good chance she may come back around after she’s lived a little more, but he has to be rid of his current situation first.) I just want to pluck that man’s forehead sometimes.…and WOMEN are supposed to be the confused ones??? I have another friend who counts the time that has passed since she last spoken with her…whatever he was. Listen folks, if you come to me with your relationship concerns, I’m first holding You accountable for your behaviors before I consider assessing your partner’s behaviors. Don’t waste your coins calling me if you don’t want to discuss your bad habits.

…I’m not perfect and when people ask me why I’m single, I’m going to start responding with this: “Coaches don’t play, now do they?”

 
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It’s almost like 2019 was a dud for some of us. It was present just to be present which forced us to do or not do, ya know what I mean? Yet, we cannot have made this trip around the calendar without taking something from it, right?

Hmmm….

Let’s mention the basics, we cannot dictate what happens to us or around us but, we can control how we react to what occurs and what we do not change, we are accepting. Do you know why great comedians are great? They learned to laugh at their pain. They learned to take what tried to break them down and turn it into humor to help offset the disappointment. Some claim it to be a form of therapy. I’m not a comedian, but I do try to make light of dark matters. I…we, have to, otherwise we continue to be burdened and tormented by the heartache. Who wants to keep doing that? I hate feeling sad and I hate for others to see me in that state as well, I rather laugh at my own expense than not to laugh at all.

Honestly, 2019 taught me what I already knew and known, I just needed a hard reminder and a choke hold of reality.

Okay, so what if you didn’t face any turmoil this year and you also didn’t have a great year, what happened? Did you just…exist? If so, is that what you are planning to do in 2020? We are starting a whole new decade. How do you want the next 10 years to be? What can you do differently? Short term goals vs. Long terms goals, yup they are still a thing. I write mine down and make adjustments when necessary. Don’t change the goal, change the path that takes you there.

Look at your life/future in three different categories: Money, Love, and Career/Business. Are you making enough to live the life you want? Be realistic. Is your relationship fulfilling and going in a direction you feel is conducive? Or if your are single, does being in a relationship even make sense for you right now? And are you happy professionally? We have to take a hard look at ourselves and reflect. Don’t expect others to make the changes you want to see happen.

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One major thing I did differently this year, I created a finance/expense/net-worth spreadsheet….Ouu chile, lemme tell you! The biggest trips I took this year was to Neiman Marcus, Saks 5th Ave, and Happy Hours. When I saw the number of what I spent this year, I was ashamed! My broker told me at the least, I need to stop buying out VIP Sections…Ummmm, sure okay. Look, as hard as I work, I play even harder, so keep up…but I agree, I do have to clam down a bit. (Friends and Colleagues, if you love me, don’t leave me unattended with my card or cash. Thank you in advance. )

Even if you have a financial adviser, it is still a good idea for YOU to review your finances often. I created my spreadsheet from scratch with knowing how to create certain tables, charts, and formulas. If you are not familiar with excel, here is a Net Worth Calculator tool that will give you an idea of your financial stability. Another tool I use frequently is a Money Management App that I have downloaded on my phone. It’s called “Expense Manager” by Bishinews (image shown above). You can set up the app where reoccurring expenses and income is automatically recorded, or you can do it manually each time you spend or make money. The app takes the data and creates charts and spreadsheets separating your expenses by category (if you set it up that way). This tool is wonderful at showing me what I am spending each day, week, and month. Lastly, Credit Karma is very helpful. I’ve been using CK for years. It gives you updates on your credit score and will notify you with changes in your credit report. I also have a credit monitoring through my bank, Hey, money may not always make you happy, but it certainly buys things that can.

Dress: JLuxLabel

Dress: JLuxLabel

P.S. - Drink plenty of water and Louis Vuitton is now open in Market Street in The Woodlands, TX.



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Sharing Finances

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I have a personal rule: “Don’t talk finances in casual conversations.” This means that I do not discuss what is in my bank, how much I make, or the fine details of my investments. The only time I feel it proper to have this type of dialogue is with a broker, a business partner, and/or a spouse. I have learned that when people start to know how much you have or how much you spend, they begin to categorize you by that dollar amount. I recently caught up with a childhood friend and we were discussing our fields of work. He proceeded to ask me what my income amount was and my response to him was, “I do well.” I know my friend had no ill intentions with asking me that question and although he shared details of his wife’s and his own income, for me Finances are Personal; I make it one of the very private sectors of my life. If I am ever struggling with money, I am going to confide in someone I trust and who I know can help me, like an accountant who can analyze my expenses, tell me where I need to stop spending and how much I need to save. And if I purchase something that is deemed “expensive” it’s because I made certain choices that allowed me to treat myself or my family.

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We do live in a flashy society and people tend to value you by the things you have and further think about what you can do for them. I will admit, I am guilty of this; when I hear of someone talking about investments or wanting to build a business, I become intrigued and think about how this person and I can benefit one another. (Okay, maybe this isn’t so bad if I’m considering the advantages for both sides. I like business and I like profit sharing.) Unfortunately, there are people who only look for their own benefits….which is the main reason why I don’t like to talk about money with just anyone. Right now, no one but the government knows how much I rake in each year, not even my dear father.

Although, if I find myself in a relationship, I have to think about how my finances may affect his, how his may affect mine, and how both of ours can work or not work. You do not want to be involved in someone else’s frivolous debt or bad decision making with money because then you end up paying for it all if you plan to keep the relationship…but if you do not mind doing that, by all means go right ahead, who am I to tell you what to do with your money?

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I wouldn’t say to talk about our credit reports on the first date but, at least after 6 months to a year we still cannot be so wrapped up in the beauty of romance that we forget about the overall “bill”. Once we identify that we want to grow together, we’ve got to talk about our financial stability. Is only one of us paying? Are we splitting anything? Are we co-signing? Is what’s yours, yours and what’s mine, mine? What types of debt do you have, if any? Credit cards? Student loans? What’s our FICO scores? If we cannot talk about money, then we cannot have a real future together, so let me Venmo, Cash App, or PayPal you my half of this love affair and I’ll go my own way. Let’s not linger because we got comfortable.

Not only are finances personal, but it can also be a sensitive topic. If your partner squirms anytime you mention dollars, that might be a sign of concern. Address the issues before they become bigger problems. Fellas it’s one thing if you want to gift your sweetheart with a nice surprise but, if she is asking you to buy her a pricey handbag, do you think about if she can afford it on her own? Does that matter to you? Or does it make you feel chivalrous to present your lady with flowers? (But we ain’t talking about flowers here.) Yet again, who am I to tell you what to do with your money? *Stay-at-home moms and wives, you are excluded from this topic, continue to love your husbands.

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[According to a recent survey of 191 CDFA professionals from across North America, the three leading causes of divorce are "basic incompatibility" (43%), "infidelity" (28%), and "money issues" (22%).] Here is another article that talks about the top reasons for divorce and yes, Money makes one of the major reasons. Personally, I do not like conflict, it causes anxiety, but I will speak my piece when necessary. I like to think I am reasonable; I am an advocate of making your best attempts to be good to people even if they may not be so good to you, but that's all perception. If I do have conflicts, it is usually due to a misunderstanding of some sort and we all know that misunderstandings come from lack of communication. It all connects, folks.  Don't just assume I "understand" if we have never discussed all the details. Sometimes what is unsaid can become misleading.

Read through some other articles that give insight and tips on when to talk about money when dating. You don't want to talk about it too early but, don't ever avoid having the money talk.

  1. When should you talk about finances in a relationship?

  2. 4 Ways To Talk About Money When You're Dating

  3. We Should Be Talking About Money With Our Partners — Here’s Where To Start

  4. When to talk about money in a relationship

  5. 5 Important Money Talks Every Couple Should Have


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