Can Love Survive a Budget!? w/ Doug & Heather Boneparth #1052

11 snips

Oct 22, 2025

Doug and Heather Boneparth, a power couple in personal finance, share their expertise on how couples can navigate the often turbulent waters of shared budgets. They discuss the importance of understanding individual money histories and the impact of shame on financial confidence. The duo emphasizes regular money dates to foster positive financial vibes and offers practical advice on balancing individual goals and shared responsibilities. Their insights are aimed at creating a harmonious financial partnership, proving love can indeed survive a budget.

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ANECDOTE

Student Loan Shame Shaped Choices

Heather describes graduating law school into the Great Recession with six figures of student loans and deep shame.
That shame blinded her judgment and made her feel unworthy of making financial decisions for years.

ANECDOTE

Entrepreneur Upbringing Built Nimbleness

Doug recounts growing up around serial entrepreneurs and learning to treat problems as challenges.
That upbringing made him more nimble and willing to take financial risks alongside Heather's caution.

ADVICE

Do Individual Money Work First

Financial planning must address human behavior, identity, and relationship dynamics, not just numbers.
Do individual money work before trying to play the team game with your partner.

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Figuring out your money is tough enough if you’re flying solo. Doing it with your partner ramps up the difficulty level because you're throwing in varied money history, habits, and goals. It can create a lot of friction! Our guests today have a lot of great advice for couples looking to do better with their finances and create a ‘team vibe’ with their partner. If you looked up the definition of ‘power couple’ in the dictionary, you just might see a picture of Doug and Heather Boneparth next to it. Doug has built his own successful financial advisor firm while simultaneously tweeting hilarious memes. Heather is a former corporate attorney and director of business affairs for that firm, Bona Fide Wealth. They’ve written the fabulous new book ‘Money Together’ which launches next week on the 28th, and today we discuss:

How understanding individual money histories is crucial for couples
Impact of shame around finances
Balancing individual and shared goals
Creating positive financial vibes
Regular money dates
Investing in one area often requires sacrifices in another
It's important to recognize the contributions beyond monetary income
And plenty more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

DoMoneyTogether.com is where you can go to learn all about Heather and Doug’s book. ReadTheJointAccount.com is their newsletter and BoneFideWealth.com is their wealth advisory firm.
Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!

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