KLEMP INSIGHTS
NEWSLETTER

Today, we have a thought experiment for you.

Think of your time and energy like a financial portfolio. Every block of your day—work, couple time, family time, exercise, friends, logistics—counts as an “investment” aimed at a future return.

ROI of work: purpose and financial stability.

ROI of family time: joy, fun, shared memories.

ROI of exercise: health and longevity (aka “retirement without a walker”).

The purpose of this thought experiment isn't to reduce the vastness of life down ...

What if we were to tell you that your life is really just an elaborate video game?

The purpose of the game? To win, obviously, and score as many points as you can.

How do you score points? Three ways: money, approval, and achievement. The higher your aggregate score, the faster you move up the leaderboard, the better you feel about your position in the game. 

You might notice though that there’s something peculiar about the scoring system: you only get points for the things you do outsi...

Relationships are complicated.

Circumstances are unique.

Every couple has their own idiosyncratic way of handling money.

These ideas have led us to steer clear of talking about today's topic in past newsletters.

But after years of witnessing couples struggle with money and after the emergence of new research, we felt compelled to talk about this third rail of relationships: the decision to share or split financial accounts.

Our perspective?

Sharing accounts is perhaps the most import...