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Karrie is with us in philadelphia hi Carrie how are you hi hi Dave great how are you better than I deserve what's up I am my fiancee we just are planning our wedding and we are trying to talk about finances and everything get everything squared away and figure out you know how we're going to join our finances when we get married I wonder if you have any advice for that yep the old-fashioned marriage vows now this is after marriage okay this is not before marriage you can start talking about it you can even do some pretend mock up budgets in pre marriage counseling but until you're married I wouldn't combine finances now once you're married the day you're married I would completely combine them the old-fashioned marriage vows say for better for worse in sickness and in health unto thee all my worldly goods I pledge meaning we're both all-in those are the marriages that work best and those are the people that have the highest probability of building wealth very few people who get marrie...