Here's How You Should Handle A Joint Bank Account

[@justrelle1.0]

Wait wait wait...why isn't anyone addressing that her joint account is with a BOYFRIEND!!??? NOT a Husband!! People love playing House oh boy.

[@user-zx5xw4yw2e]

SDot Family Adventures. Well ya know.. its 2018 now 😒 Quit being so 'ol fashion' *sarcasm*

[@aquariusorchid]

Girl yes, that's the 1st thing I thought Boyfriend NOT Husband.

[@robertson-winningallthetim7241]

Exactly...it didn't even occur to them it seems.

[@SharronsTake]

SDot Family Adventures I was thinking the same thing!

[@zeynand4039]

SDot Family Adventures exactly. You have a joint bank account when you are married AND keep a personal bank account that is not a secret. You just dont give them access and dont tell anyone how much is in it. What steve harvey said is actually good advice.

[@emmarhondawilson7071]

Hell naw. You and your boyfriend should keep separate bank accounts period. You're not married.

[@lankz1127]

I think marriage is implied.

[@shomifochap3]

EmmaRhonda Wilson yes why does she have an account with her Boyfriend?

[@lankz1127]

0:07 - 0:10

[@mercedeswilkins9085]

Yes and even when you're marry, u should have separated account not a secret account

[@anubisgod23]

What if you live together? You can have joint if you're not married

[@392.jacque]

Girl: "my boyfriend doesn't know" Goes on national television 🤦🏽

[@pwalker9757]

Sam H 😂😂😂😂😂😂😂😂😂😂

[@knightoyin6500]

She probably know he would never see cos he doesn't watch this kind of day time TV, only sports center.

[@thelazychef_blogs3408]

😂

[@JuanPerez-oc8lg]

Well now he knows, honey 😉

[@anouyabobo5252]

😂😂😂😂😂😂😂😂😂

[@taarons227]

My husband and I have been married for almost 15 years and since then we have been doing exactly what Steve said. We have 2 joint accounts for bills/savings and we each have our own personal accounts. We have never had any financial disagreements in regards to bills not being paid or money being spent on personal items. It works!

[@echobean5222]

Breanna Brown YES! As long as bills are paid and we’re saving for the future, I don’t need to see what he spends on motorcycle parts & he doesn’t need to see that I buy $19 shampoo! 😂

[@MrsNata-tw6fv]

Eden Ross 😂😕😔

[@AqsoulX]

@T Aarons with your personal accounts do you both have access to it?

[@Jinglesbellez]

@@AqsoulX if they both had access it would be a joint account

[@AqsoulX]

@@Jinglesbellez With personal accounts I’m referring to if they have access to each other “personal” account. (Passwords etc) Everyone is different but for emergency.

[@zain0507]

Why do you have a joint account and no ring sis...that’s ridiculous

[@jnnlis]

jummy Abike Lmao fax

[@iWillFightYouInComments]

I know, i feel bad for the idiot guy.

[@anubisgod23]

why wouldnt you? its called convenience

[@Jinglesbellez]

My boyfriend and I (together for 6 years) made a joint (savings) account so we can put down for a house when we get married. We’re engaged now but it’s good to start early if you guys both agree on the path you’re going. Now when we get married we have some money to start our lives. Edit: I refuse to call him fiancé so don’t mind the use of boyfriend. I usually refer to him as either boyfriend/husband. Something about the word fiancé I just do not like 😂

[@sakatagintoki2888]

just a ring🤷‍♂️.

[@JessicaAhibo]

The 4 accounts is correct. My husband and I have s joint account bills. After paying bill we give itself pocket money. We put that in our separate accounts. We can do why we want with they money. And ofcouse we have a joint savings. It works perfect.

[@VONiiE8]

Jessica Letsu question: do you put a set amount into the checking savings accounts and keep the rest for yourselves or do you do as Steve says and put the whole check and divvy it up later?

[@JessicaAhibo]

VONiiE8 We get our checks deposited in our joint checking acct on Thursday. By Friday we transfer money in joint savings and get our pocket money. Which is gas and any little expense we have.

[@VONiiE8]

Jessica Letsu oh ok. Tips for future partnership lol

[@lwar9914]

Maybe you are more than happy with each other! That's the perfect foundation for a better future. I hope this is not only a money based relationship. Wish you all the best!

[@misspanama6963]

so what is the 4th account?...(#1 Joint, #2 Individual Separate accts, #3 Joint Savings, #4?)

[@aaliyahkhai.9271]

*”I’m all dat ‘n’ a bag a chipz”* DEAD😂😂😂😂😂😂😂😂😂

[@hj7051]

Arielle Renae b

[@bradleysaunders1794]

Arielle Renae 😂😂

[@xseraphlightx]

Arielle Renae can someone explain what Steve meant

[@abdullaalturabi6526]

@@xseraphlightx steve is chips. He's a bag of chips. Hope it helped

[@kharlie22]

I did a joint account with my boyfriend, now he's my husband. It was a small account for date night like a couple dollars($20 or $30) from our checks and we could do dinner and a movie kinda thing. Nothing more. We were already discussing marriage and planning for the future though. Got engaged not long after. But I wouldn't suggest it if you've never discussed future engagement or marriage though. I completely agree with Steve on this one.

[@tiannafreeman672]

Keri Hilson looks sooo beautiful!!

[@Pharaoh.911]

Thats all you took from this

[@benignendayishimye3449]

I have a friend that was in an abusive relationship. They had a joint account and he monitored how every single penny was used. Everytime the abuse would get too much for her, she would take her son and leave, but would then lock the account and report that apparently her car was stolen. She would have no money for food or shelter for her and their son! So she would always freaken run back to him😒😒 man it use to piss me off. I'm happy that she has left the relationship completely now!

[@vanaphill2454]

Why would she keep putting money in to the joint account? Glad she got out though. She should have had her own bank account that he can't touch. EVER.

[@curtissmithnupe3]

Great you friend is ok but tell your friend to get direct deposit somewhere else please. Hell I would have given her 25 dollars to start another account

[@Mizzwurie]

We thank God thank she is is okay now because I was in the same situation

[@Lebronwski]

Why is she leaving with children in the first place? If she wants to go let her go. She wants to take the children and the kids? 😂

[@Natas_Nico08518]

I’m not having a joint account with a boyfriend POINT BLANK PERIOD!

[@Lebronwski]

Did you break up yet?

[@sarahjames927]

Joint account with boyfriend um no

[@jeremysears4263]

IWalkThroughTornados7 It's Biology

[@eamcbmsc]

IWalkThroughTornados7 you shouldn't do a joint account with a girlfriend either. You should only have a joint account if married. When you're single it's your money, when you're married it's our money.

[@KeepingItReal]

If the guy was doing it It would be wrong. Funny how they have excuses

[@Rh1thmz]

@Always Succeeding have fun with your cats or whipped man with that attitude

[@mcpheefan21]

I'm actually surprised he doesn't have have a separate account himself. A separate account isn't something you should feel the need to hide.

[@ew1130]

It's called double standards,What's theirs is her's, What's her's is her's.

[@KeepingItReal]

@E11 wats his is his and wats hers is hers. And one account to share some men and women are weak as hell

[@ew1130]

@@KeepingItReal that is how it should be

[@jaysofly8564]

Steve harvey straight up played them😂 he said if the female made more and the husband wanted to split it 50/50 how would they feel and they said no but if the roles were reversed 👀 sad world we live in.

[@coacht1738]

He never asked what would they expect if the roles were reversed. I'm sure a multi millionaire ain't splitting everything 50/50 worth his wife... trust me Steve ain't no fool.

[@biniamasmelash2754]

Well explained by Steve. Well done Steve.

[@glyn2370]

Never have a joint bank account one or the other could run off with all your money. I was told once that if you don't trust someone enough to have a joint bank account you shouldn't be together. I TRUST NOONE WHEN IT COMES TO MONEY.

[@Luvbengs1]

Now he knows

[@Anfmethodjor]

These ladies have the wrong mindset. Steve was trying to teach them something that they were trying to hear. Thank you, Steve!

[@Lady9T]

He's just a boyfriend . If you want to have a joint account with a boyfriend that's up to you. But it shouldn't keep you from having your own personal account. I agree there's no reason to keep it a secret. He just doesn't need to know how much is in it.

[@marcoswatch]

Lady9T Even if he knows, that shouldn't be a problem. Everyone is entitled to have their own things

[@janicestrube5980]

Verbal and mental abuse

[@iWillFightYouInComments]

Lady9T "Hes just a boyfriend". Lolz and *shes just a girlfriend!* I feel bad for the idiot to share his money with her and yet shes keeping that secret from him. Not married, bad idea!

[@goudjomichel]

That question right there @4:00 from Steve said everything about women.

[@anyssabaca2531]

Haha exactly. Most women always want to share the mans money but keep their own. Theyre all about men and women equality until it hits THEIR pocket book

[@Mr_GQ34]

Joint accounts are for married people. Separate accounts are for “single-minded” people. If I need to have money to myself so that my wife doesn’t say anything to me about spending money, I married the wrong person. I hear what Steve and the ladies are saying, because they’ve been scarred. Everybody’s situation is different. What ever works for your marriage, go with it.

[@chynabarnescb]

Keri hair is 🔥 🔥

[@defaultemail5636]

its not even hers

[@judeokoye9466]

I enjoyed this convo, these women should get their own talk show.

[@butterflyygyrlsworld5106]

Why do you have a joint bank account with a boyfriend dummy?????

[@marycarricaburu3683]

My husband and I were senior citizens when we married. He was a 67 year old bachelor, I had been single for 14 years. I had children and grandchildren, he didn't. At his idea, we keep our money separate, we set up a third account and each one of us puts money into it each month for household expenses. If it is a big ticket item like carpet we discuss what we want to do. That way if I want to spend money on grandchildren, or fabric, or he wants to spend money on wood we don't have to ask permission. I do tell him if I am spending a lot of money on something, to me it is a courtesy. He is welcome to look at my books and I am welcome to look at his books.

[@misssugacoco]

When you are in a relationship with someone, you got to be open and honest. Keeping secrets is not good at all, shows you may not trust the person.

[@joelvedamony]

Agree with Steve... no secrets, money that goes into the joint chequing and savings account either pro-rata as per earnings, or put the entirety in the chequing account and siphon out a predetermined amount into individual accounts. According to Dave Ramsey, divide savings into 2 or 3, an easily liquidatable instrument for emergencies, and a long term high yield investment for children's college, retirement etc.

[@JayDKB]

True on the bank account information. Smartest move ever.

[@HukGuay]

how these women expect men to put in more money into the account if they earn more money when they wont do the same when roles are reversed. these are some pretty greedy women

[@alyssaroebuck9271]

I 100% agree with Steve! 4 accounts.

[@Beyondme7700]

That's the one thing a mother always tells her daughter...keep an account separate..you never know when you need to leave...you will need to have a get away account 😂😂

[@annabanabanana]

If you have a job there is no reason to be that paranoid. If things start going south get yourself an account and start moving money but why do you already have one foot out the door before there is even a problem? Seems if that is someone's mindset their marriage is already doomed before it begins. Just my opinion.

[@janettenava8889]

@@annabanabanana Unfortunately things happen in the most perfect of marriages. You just never know. Gotta be ready for anything

[@annabanabanana]

@@janettenava8889 1000%

[@lwar9914]

In the end, it is all about having your own life. Whether you are married or single. I don't agree with a relationship based on money only that is not the right way. But sadly people are trapped in this money based relationship and as a result, lose them integrity. A relationship should be built/based on love, respect, knowledge, and admiration for each other. It is high time to set the clock right for a quality life.

[@kizzywizzy589]

Only need one joint account for bills. Let him save his own money and let her do the same. Less drama if it doesn't work out.

[@echobean5222]

Kizzy Wizzy That’s what my boyfriend and I decided on. We were talking the pros and cons of saving together for a future house and we decided that we would save at least an agreed upon amount each month but separately in case something crazy happens and we have an ugly break up. If we get married we might do the joint account for bills but I don’t need to see how much he spends on motorcycle parts and he sure doesn’t need to see me spend $19 on shampoo😂

[@tazyboy28]

Amen

[@hkzergy]

men don't forget to sign for that prenup lol

[@63586jonathan]

If the guy had a secret bank account it would have been a problem for the women on the stage and the crowd. I cant stand man hating steve Harvey show

[@ghty181]

This is one Steve Harvey clip that I agree with. 50/50.

[@Koki1993]

Thanks Steve. I really wanted you to answer this question.

[@Finetouchautopros]

Joint account are for married couples. I love this steve and ladies. 🙌🙌

[@force8020]

A secret is a secret and a lie is a lie. Great advice from your financial advisor.

[@johnconnor210]

Women like to keep there money separate but expect there man to share all of his money with her. Hypocrites. Never give a woman full access to your money even if you're married.

[@mohamedamir6697]

great advices Steve , love you

[@PJCloutier22]

Money and love don't mix.

[@tomaradoss3420]

Just tell all the damn secrets....

[@TriggaTreDay]

Before my husband and I got married at age 23, we agreed on having the 4 bank acct rule and that was without an accountants advice. It only makes sense that if you are married both parties should bring what they have to the table, take care of the important stuff first then we both get an allowance. It’s really not that hard to understand or except.... and if you can’t except that simple remedy then your spouse may want to rethink staying married to you 😒 because that only shows how selfish you are.

[@tajcameron5965]

I believe in having a joint account and two individual accounts. If and when a child comes into the picture then a fourth account is opened to begin building their future.

[@ShaliseSpeaks]

Well the first red flag is “BOYFRIEND” I’m not having a “joint account” with a boyfriend. Husband I get it. But even with a husband it’s only if we are both putting in it.

[@myselfthethird3393]

Lets see how they would react if it was the man hiding resources from her in a secret bank account.

[@kjbatts9253]

Great response Steve👏🏾👏🏾👏🏾

[@DirXRoloMusicVids]

So am I confused on something.... Steve always talks of how old school rules say the man is the provider but at the same time says have a joint account for both ppl to bring their money to the table. Isn’t that a contradiction if you are suppose to be the man that goes out and provides?

[@sandrad8640]

Good advise from steve

[@DriftKingNL]

We all know the truth though. The money he makes is her money. The money she makes is also her money. The moment a guy steps in a relationship, all his money becomes her money. He's got no money anymore. Wanna keep your money to be yours as a man? Stay single!

[@Runner_Chic]

"Until it's coming" 😍😍😍... I caught that tea

[@3390974]

I disagree with joint bank accounts. I agree there should be 4 accounts tho. 2 Checking accounts and 2 savings accounts. 2 for him 2 for her.

[@SunshineLee2012]

me and my husband do not have a joint account. but, I think it depends on the couple. some couples work better having a joint account. we do pay our bills and each have a savings.

[@hawkeye1982]

I really think it depends where you are in life as a couple that influences how the money is split. Early in the relationship you might want to have what's yours. When we bought our house I decided that I really didn't feel well knowing my gf had less money than me. So we did just what Steve advocates. We pooled the money, some went to bills, some for saving to travel which we do a lot. But most importantly was that we both had equal amount to spend on ourself. When buying the house I put in a lot more but now with kids I don't really care. If we ever would split and she takes half I'll know it will be used for our kids. She's a great with or without me :).

[@kelvinallen247relationshiphelp]

When you bought the house, the house document is on your both names or is your name only since you both save to purchase a home

[@hawkeye1982]

@@kelvinallen247relationshiphelp it's in both our name. We used the money I got from selling my apartment and then took a joint loan. She pays half of everything.

[@mayurchauhan291]

imagine the reaction of these ladies if aman would've done something like that....

[@Raniko2020]

joint account with BOYFRIEND? What the... Steve is absolutely right about the bank accounts.

[@nakaiyahross453]

Amen Steve Say It Again❕❕❕👏

[@nickdai9322]

i guess love isnt real, at the end of the day, its always about money

[@XeRo333]

I feel that this is a perfect way a married couple should live when it comes to money! The bills are always paid, money in savings for emergencies or just savings, and two personal accounts for one to do whatever without the worry about what the other person's gonna say about it. I think this is perfect!

[@tavispergentile1334]

Even if I were married I wouldn't want a joint account.

[@tiddies2227]

Her money is her money. His money is their money

[@lynettewhite5437]

I’m all that and a bag of chips 😂 love it

[@estreliasoriano5308]

Steve, that's the best advice.

[@mariamoncadabeldenvillagedash]

My grandmother always followed that principle.

[@9teenfifT8]

Percentage is the key. What ever the percentage of the mutual living expenses is to the total of both incomes, then that's how much they should each put into the joint account. If mutual living expenses is $3,000 and both incomes add to $5,000, then each has to give 60% of their income to the joint account to pay the common bills. They each keep 40% of their paychecks for themselves.

[@MRkriegs]

even when one person makes over double what the other person makes? I like that idea I'm just trying to figure it out myself

[@myultimateform2797]

Having seperate bank accounts would be better.

[@adamyisrael2557]

Steve has me dead! 'IM ALL THAT AND A BAG OF CHIPS'

[@WIXII_CUSUB]

I’m weak 😂😂 steve he funny

[@maylynbayani]

They're not married. There's no legal protection (conjugal property). That aint safe. But i get steve. My husband and I have 3 accounts. Savings, his and mine. We pay utilities in cash. We put equal amounts of money in our savings account but at times I earn more so I put in more than what we initially agreed on. He does the same when he gets extra money. Then when someone is short on cash, we give the other extra. We make joint decisions on making purchases involving our savings account. But whatever we get, we dont feel compelled to say to each other in detail. He just finds out I get bonuses when I put in more money in our savings but we are both open on divulging the amount if asked. I never felt I had to keep a secret on how much I get and he's the same. Marriage is a partnership. It's different with each couple but our system works for us. However, I would never share a bank account with anyone Im not married with. I like the fact that we are legally binded with each other. To each is own though.

[@darienreed212]

Why can’t both people just have their own separate bank accounts? They can always come to an agreement about who pays for what bills.

[@angelamarcinkevich9202]

My friend and her husband have separate accounts and each pay half bill her electric and heat and him mortgage and water ( examples)

[@ryans413]

If your not married keep the accounts separate there’s no need to have a joint account

[@tinisharealtalktime6626]

I don't believe in joint accounts when you're married or with a boyfriend or whatever.. why because some people getting in their feelings too much ... you turn around the money's is all gone from from your account... she have hers he has his simple as that... when it's time to pay the bills we come together

[@tazyboy28]

Smart woman... both sides just manipulation. Less drama when you take care of your own. Your only responsibility is to be able to have the money to pay things. Keep track of your own.

[@tazyboy28]

@Never lose sleep over the small stuff they take it and spend it without permission.

[@americancitizen4259]

What I find funny about this is that they are all for splitting the money and everything until they start making more money than they don't want to split it. I love women, hell I'm even married one. But I think it is absolutely hilarious every time you get to that point where they can either be honest or they can be a hypocrite and they almost always choose to be a hypocrite when it comes to money. Is that a man should share things with his wife, unless it's money then she should get more.

[@Trad3sOfTh3H3art]

Where can I find the full episode?

[@jeanbulyaba]

Great advice Steve!

[@beautifulshianne1226]

Boyfriend, a joint account, are you alright

[@Rohityadav_17]

Steve is the man, thats what i call psedudofeminism all those woman on couch disagreeing with 50-50, do you need a separate bank account for small amount of money? And wht the hell is she using guys money if she can't share hers, were the hell is equality now?

[@boomerang905]

People put EVERYTHING before marriage. Why in the hell would you want a joint account with a man not your husband. Stop already.

[@juliejuju7419]

Keri Hilson has grown into a GORGEOUS WOMAN. Wow

[@psalmist4god]

Steve: am all that and a bag of chips 😂👉🏽❤️🔥

[@anubisgod23]

So many people on here upset that she has a joint account when they're not married...why does that matter? Most serious long term couples have joint accounts before marriage...its called convenience and intelligence. I love how if the man is making more than he should pay for more...but if the women is making more then nah its 50/50...ahah WTF

[@marshacreary9771]

1:37-2:39 Great points

[@leeleerocks3616]

I'm all that in a bag of chips 😂😂😂😂😂 Steve!!#

[@solo6810]

Bet you if he reversed the question and asked if they'd split 50/50 if the man made more then them, the answer would be unequivocally, YES!!

[@MD-vs6vk]

I agree... I don’t like secrets either. However, I wouldn’t put anything joint until we’re married. But that’s just me

[@MsJP]

Soooooo go on Steve & ask this question but u don't want him 2 know

[@MrsNata-tw6fv]

If you are married he should know, and he or she should be the beneficiary.

[@zacharyharding8907]

I like this idea. It what I don’t like is that if the tables are flipped and the name makes more then he would be obligated to split half

[@Day23J1k]

That what my grandma taught me what Steve was saying.

[@pegasus6724]

You get your own job your own. Bank account your own home and you take responsibility for your own life .

[@jaysofly8564]

They started off wrong(which i already knew) they needed to ask these questions first(is it her money and does he put all of his money in the joint account) if he puts all of his money in the joint account she is completely wrong not for making a separate account but for not telling him.

[@precious4463]

Great Advice!

[@amberlyon4662]

If the man did the same thing the women would be angry because he is keeping money from her

[@jammaster2010]

Nah i wouldnt ever do a joint bank account

[@jewelmitchell9540]

proof games Definitely not with a boyfriend

[@jammaster2010]

Jewel Mitchell exactly stop playing house.

[@gwenniva7370]

I didn’t get that part clear the question wasn’t answered properly if someone can help me, if I earn more than my man who should put in higher fund into the account and how should we spend it

[@whenufirstrealized]

Is there such a thing as a savings account that takes two signatures to move it? For a married couple married forever... wondering about joint savings and investment accounts the minute you decide to separate and walk out? Any way to freeze and get arbitration before you leave the house and split it up then and then let the courts do the exact math later? Just feel the minute it goes south the transferring and spending will be unprecedented. Also what if she argues she needs to continues to take care of adult children? Also what about inheritance from one side that came in before the separation?

[@mossgeorge2001]

See I like this open communication.

[@msimon1984]

This is why relationships don't work...women. they've become not just independent but also much more selfish. A marriage is a union, a partnership. There's no one individual, therefore no room for selfishness

[@crystalanamericaninsicily]

Always have your OWN Bank account. Trusting is great... Not trusting is Greater. Have a second one with your Partner that you put only a small part of your earnings. Keep your INDEPENDENTS. Plus. You don't have JOINT bank accounts with your BOYFRIEND!! Only with your SPOUSE!