This week, Sim shares a practical guide to money and relationships, including how modern couples can handle finances when women earn the same or more than their partners and often act as the household CFO. She breaks down smart ways to structure joint and separate accounts, how to talk through mismatched spending habits and shared goals, and the key money questions to ask before moving in together like income, debt, budgeting style, and how to split bills fairly. Sim also explains when a prenup makes sense, why financial transparency matters, and how the right conversations early can protect both partners and reduce money stress later.

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This week, Sim breaks down the classic personal finance question of whether you should invest or pay down your mortgage, using real numbers to show how interest rates and repayments affect your cash flow. She explains how paying extra on your home loan can save you big on interest and boost peace of mind, but how investing a lump sum in a broad index fund could grow more over the long term if your mortgage rate is lower than expected market returns. Sim finishes with a simple decision framework based on your interest rate, income stability, and risk tolerance, plus the reminder that you can often do both by splitting the money and avoiding paralysis.

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This week, Sim shares a simple, stress free way to rebuild your emergency fund after you have had to use it, and she reminds you to drop the guilt because that money did its job. She walks through taking stock of your situation, setting realistic mini targets like $500 to $1,000 first, and then using automation and a separate account so you are not relying on willpower. Sim also explains how small weekly transfers add up fast and how having even a basic buffer can make you feel calmer, more confident, and ready for whatever life throws at you.

Watch the episode on Youtube here

For more Friends That Invest:

Stock Market Tea newsletter: build financial freedom in under 5 minutes a week. Join 115,000+ investors in training.

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Hosted on Acast. See acast.com/privacy for more information.