Two decades in one relationship with a different money personality, lived in two countries with different saving cultures

I have been working in the Technology sector for more than 20 years and passionate about personal finance. I love solving complex problems with the simplest solution. Life does not have to be more complex – be it technology or personal finance. 

I am happily married for 20 years with two beautiful daughters, one about to graduate high school and going to study Economics in University of Texas, Austin and the younger one about to enter high school. 

My wife is an artist and I being a technology professional (slightly nerdy), we have very different money personalities. We have worked through these differences and successfully converted them to sounding boards than a source of conflicts and money related stress. 

Due to family dynamics and aspirations, we moved to US in 2017 after working and living in India for 15 years. A mid career transition had its own challenges in resetting and planning family goals, financial aspects being one of them. 

I started on my money management from scratch when we moved to US. We lived on a tight budget as we saved up to buy a house, send our daughter to college without debt and planning for a shorter runway to retirement. 

It gave me invaluable insights into the best practices of personal finance in two countries, with very different money mindsets. 

Looking back, I wish there was a time machine to go back and apply these insights into early phases of my relationship and career. 

The best way to do that today is to help my young clients who are getting into a committed relationship and I wish I can make it very, very successful for you.