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In a video response to a question from Matthew in Tennessee, who is preparing to marry at 20, the discussion revolves around the financial landscape of the couple. Matthew earns $60,000 as a welder, while his fiancée makes $12,000 as a preschool teacher and has student and car loans. Despite sharing an apartment and a joint bank account, the advice given emphasizes maintaining separate finances until marriage, advising Matthew to handle his own bills and not to take on his fiancée’s debt at this stage. The suggestion is to use the time before their wedding to practice financial independence, as circumstances can change unexpectedly.