“Avoidance” - A couple, Samantha (36) and Kevin (41), who have been together for seven years but have kept their finances almost entirely separate. Kevin is a high earner with $800,000 in investments, a paid-down mortgage on a home he solely owns, and earns $221,000 annually. Samantha earns $148,000 in sales but carries $78,000 in student loans and $30,000 in car debt, with barely any savings or investments. Their combined net worth (89th percentile for their age) is $1.17 million with assets of $652,500, investments of $883,300, savings of $23,300, and total debt of $389,000. Kevin pays the entire mortgage while they split utilities and groceries 50/50. Samantha stopped paying rent years ago, reasoning that since Kevin owns the house and would get all the equity, the money is better spent on her own savings though she hasn’t been consistently paying down debt either.