This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized.
Aggressively raise your net worth
It’s a common occurrence for couples to rely on two incomes.
It’s also common for couples to move in together to maximize the utilization of the two incomes.
Not only do many couples want that 50% discount that few are talking about out loud, but two incomes create the appearance of more flexibility and the opportunity to spend more money.
Think about it…When living with someone, you save on housing, utilities, groceries, dining out, travel, insurance, and other expenses.
You might even be able to get away with one car.
But if you’re in a healthy relationship, decide to live together, and have two incomes, this is a legendary opportunity to take your finances to another level.
Instead of spending more, you can save and invest more, creating more financial freedom for you and your partner now and in the future.
Not every relationship will last long-term, but if you are in a healthy situation and both you and your partner maintain mutual respect, the following is a lucrative opportunity to try:
Reconsider Living On One Income, But Keep Two
The Secret Sauce
Live off one income and pay all your expenses with that income while using the other income to build a solid nest egg that will eventually become a relevant stream of passive income for you and your partner – without having to lift a finger.
If you live on one income and stash (invest) the rest, you will build wealth faster, live below your means (avoid debt), and avoid many financial stresses couples face.
What is one of the number one reasons couples move in too quickly?
To save money and get that 50% discount. They’re not necessarily trying actually to save money. They’re trying to increase the amount of expendable income they have.
The Couple That Blew Their Money Opp
One couple I knew was making close to $250,000 per year. Yet, somehow they were drowning in debt, living paycheck to paycheck, and constantly seeking personal loans to pay their basic expenses. Their financial sh*t was out of whack because they abused their above-average income.
Don’t Blow Your Opp
Whether you just moved in with your partner or have been living together for a while, consider downsizing your expenses to save and live off one income.
Not only will this extract financial stress from your life, but it will significantly pad your pockets. To safeguard yourself, you can split the money saved into separate accounts if you decide to go your separate ways.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.