Money and Relationship Goals

Money management for couples is a big deal. Learning and working together to develop a good system for managing money as a couple is essential towards achieving financial and relationship goals. Joining with Kat and Lee Hughes in this episode is Aditi Shekar. She is the CEO and founder of a personal finance app called Zeta that is especially designed for couples.  Passionate about helping couples get financially educated, she talks about her story in starting and building Zeta. Gain insights on the many ways modern couples handle money through Zeta and learn more as she shares tips and strategies  from her personal experiences in handling money in relationships. 

Transcript

Money and Relationship Goals with Aditi Shekar

Today we have Aditi Shekar. She has had over 12 years of experience and a venture-backed startup called General Assembly and Guild Education. She served as an Executive Director in the world's leading social entrepreneurship organization called Ashoka. She's been featured in Forbes and Harvard business review. She's passionate about helping couples get financially educated. My favorite thing about her other than I just found out that she has lived in Manila for three years, so we have a connection there, but the other favorite thing was that I saw that she's got a dog named Goose because we have a cat named Goose.

No way, that’s amazing. I love it. It's the most popular pet name. Whenever we meet people, they're like, “Wow, that is such a smart pet name. Can I use that?” And I'm like, “Sure.”

We didn't even know it was popular. It's just that a cat literally looks like Goose from Captain Marvel movie. We named them after that so he’s name is Goose.

Mine was called Goose because I called everyone “Silly Goose”, but it actually turns out he's a very dark gray. Some people joke that he's the gray goose. 

That's so cool. I love that. Aditi, thank you for being with us today. We really love that you're here because we're so excited to chat with you. Can you tell us about what you do, like what you're doing now and what you did to get to where you are? 

Wow. That's a good question. I am actually the founder and CEO of Zeta and Zeta is a  tool that helps young couples and families figure out their finances. My team and I started by building what we call a personal finance manager for couples, so that they could understand how they were navigating money together in a more clean and easy way and use technology to actually help them do that. Now we're starting to build a modern day joint account for couples, and we're a few weeks out from launching that. Our goal is to make it really just take over the jobs that a lot of couples have to do around finances so that we can help them use technology to just get smarter and more effective with their buckets. 

Your second question about how I got here is a very long and complicated story, but TLDR  version, I did a lot of different things. I grew up in a lot of different places in the world. I went to school for double Degree in Business and Psychology ‘cause I told my mom, I was going to grow up to be a benevolent dictator. And she was like, “Aditi calm down.” I decided to graduate and actually spent the first five years of my career in social impact. I'm really glad I did that, honestly, because it was hard growing up. I've grown up in environments where I was constantly exposed to folks who didn't have access to everything they needed to be successful. I was really deeply moved by being a part of that impact movement. The challenge for me was nonprofits didn't work as fast and remove as quickly as I wanted them to. Joining tech about,I don't even want to date myself, but like 10, 15 years ago allowed me to really understand how to use technology to help drive that impact at a much faster clip. That's really what I'm trying to do with Zeta. It’s like bring those two worlds together and bring my technical expertise and my impact expertise and try to help the everyday American family. 

What would I wish actually is that you had done this like 16 years ago when we first got married. That would have probably made our life a lot easier. The tools and areas that you're working on it's just awesome. You seem like you have a really awesome team that you've pulled together too. Is that all just personal connections? Or people that you've worked with or how did the team pull together?

So I have two theses on teams like with the first is, I actually learned this from one of my family members who thinks a lot about this. One of the things he really encouraged us to think about is how to genetically engineer your teams. What that means is I think everyone, when you're going to hire folks, everyone's obsessed with like, “I want the best product manager. I want the best developer” and that's actually not what I care about. What I really care about is that I want the best combination of folks together. I am someone who's really good at saying, “Hey, I want us to get here in three years and I know we have to do X, Y, and Z to get there.” Sometimes the day to day is where I break down. The person I need to compliment me is someone who comes in and says, okay, “What does that mean today? What does that mean tomorrow? What does that mean the day after?” And so when I say genetically engineer a team, I mean really combine, bring a group of people together, who I thought would work really well together. It was really important to me to make sure no one had ego. I think ego is really hard thing. When you're a small team trying to make big things happen and folks were really just like willing to be honest and open with each other, we have like a no-bullshit concept in our team where you say how you feel and if somebody offends you or oversteps or whatnot, you speak up. 

The other thing that was really important to me is I believe we're building a product for the average American and therefore we need a real diversity on our team. We thought not just about gender diversity or racial diversity, but we thought about socio-economic diversity as well and sexual orientation. Because when you think about all of those factors, our product development process, just so much better because everybody comes at it from their personal biases and their personal experiences. And they're like, “Whoa. If my partner suddenly just asked to start sharing money, that would really creep me out. Here's some ideas on how to think about that.” It's been really fruitful for us in our process of building Zeta and developing the product to have a team that is really diverse. 





Wow. That approach is so awesome. That's just an approach actually that I just personally it's like newer for me. Like with the way you just explained that. That is just a beautiful process. Also just the culture that you're establishing is really awesome. I think it's really important when you're leading a team to establish a really good atmosphere and the culture that you establish gets carried on, people really catch on to that. Obviously, you have that responsibility of really exercising it and modeling it. You can't just be saying one thing or the other.

Mind you, some days your team kicks your butt. I remember early on when were building Zeta. One of my product managers at one of the things that we've noticed about couples is that they merged their finances, where they manage their finances very differently. Typically, they're sort of these three models that they follow, which is they put everything together, they keep it all apart where they do something that like some version of the in between where some is together in some is apart. So, my husband and I are the middle, we have some together and some apart. I was talking a lot about the things I wanted from the product. My product manager turns to me one day and she said, “Hey, I think we're building too much of this product for you. We need to pull back and build for the other people.” That was a real like, “Whoa,” very stark moment in our team development. It was at a very important moment because it's in that moment, I was like, “Whoa, you're right.” You know, it's not just me. I'm only a third of that segment. There's the two other segments we really have to think about. It's been a challenge some days and it's been good for all of us. I think it keeps us all on our toes. I think it really shows like our team has been together for three years and building this and developing this. 

That's really awesome to you, because you go into this, building it. You're kind of leading the charge and everything. Of course everything is perfect -  how you're putting things together and then someone throws it at you, “Wow, what?”

But then it's just like, “Whoa, that is a really good point. I never thought about that.” For my wife and I, we kind of merged everything together. I like to try to like pull some money to the side, but it always seems to like start coming back. I like just to spend random things like a little coffee here or there and toys - gaming toys.

I could talk about couple dynamics all day, but we see that some couples who put it all together and then they actually give themselves like many allowances. It’s like their fun money, so to speak. It can be different amounts for different couples, but it's a really great idea. 

What was the catalyst for all of this? Like why did you get into this from the start? 

There's so many levels to this, but I think it all started when I was very young. My parents got divorced and a big part of their divorce was around finances. As I grew older, I was just nerdy about personal finance. Like I was always the Indian kid at school being like, “Hey guys, what's your starting salary going to be? How are you going to budget?” And people are like, “You better shut your mouth.” Like nobody wants to talk about that. I just didn't know like culturally, I didn't realize that,  that was not the thing you talk about.

And then when I started working in startups, I was the kid who was like, “Well, this is what I'm doing with my budget. This is how I'm investing in the market. This is what I'm thinking about.” I think I naturally was built for this, if that makes sense. When I was at General Assembly, actually in New York. I started teaching personal finance to our colleagues and then to the student body in New York. At the same time, my husband and I were moving in together, were dating and we had moved in together. He was a PhD student. He earned $25,000 and I was a tech worker and I was making significantly more money. The two of us were trying to figure out how should we manage our finances because if you look at the two of us, he's more of a spender and I am more of like an investor. Like I will spend the money if I make the money, but otherwise I don't want to spend the money. 

It was a really interesting dynamic too, to try to navigate while were making these different amounts of money. I did what I joke every good millennial would do, which is I went to Google and I said, “Google, how should we do this?” And Google took me to Oprah.com. She talked about some very traditional models of merging your finances that are, I think, deeply inspired by her financial experts.  So I was like, “I don't know. I just don't, I don't connect with this, I don't feel like this is the right way” and don't get me wrong, like I love me some Oprah, but I just didn't connect there. I was like, “I think there's a different way to do this.” 

My husband and I talked it through and like I said, we decided that we were going to have shared expenses and personal expenses to navigate those money dynamics. Fast forward, when I started doing that, I thought were super abnormal. I was like, “No one else does what we do. Don't tell anyone we did this because God forbid, they're going to be like, what is wrong with you people? You're going to destroy your relationship.” People love to judge right. A few years ago, I was like, you don't want to think there's a lot to couple's finances. We should dive in and just talk to more couples. I talked to a hundred couples and just realized how insane everybody was. Everyone was doing it a different way. And I was like, “Wait a second. There's no normal anymore.” In fact, a lot of couples, our age were choosing not to combine their finances a hundred percent because they have these desires of like, “I just want this side,” or “I want to do a little bit here. I want to build this business” or whatever it may be. And that put me on this idea. I was like, “Wait a second. There may be a real opportunity for us to think about this differently.” When I stepped back and looked at the research, it's like when you see the micro pattern and then you're like, “Wait, is this really true?” And you step back and you're like, “Whoa, that's so obvious.” That was really what it was. I think the number one metric that I pay attention to is that our parents' generation, which 70% of the time a single income household and our generation 70% of the time is a dual income household. If you just think about that pendulum shift, it's just completely changed the dynamics around money and relationships. And that's really what we're tapping into. 





Wow. With just your background and your research and what you've done so far, what would you say is like, I mean, obviously there's so many ways like the way people, couples handled their money. What would you say is like the most popular way right now, really handling money? What's the one that worked really well the most? 

I get asked this question all the time, I actually joke because when I go to investor meetings at the end of every single meeting, they're like, “So this is what my partner and I do. What do you think?” I always laugh, I'm like, “Well, I'm really not Oprah yet.”

They’re like they just want your approval, “You think this is good?”

Maybe a little validation one way or the other, everyone needs validation, right. What we found, and this is an annoying answer. So we have, several thousands, tens of thousands of couples on Zeta. What we found very annoyingly is that it's 33, 33, 33. Couples are really either putting it all together, 33% of the time, keeping it completely apart. 33% of the time doing sort of what we call that yours, mine and ours approach. There's some research to suggest that you should put it all together. There's some research to suggest that you should follow the yours, mine, and ours approach. The reason that we don't try to be prescriptive with couples is because what we found and I've thought at this point, I've talked to like thousands of couples is what we found is it's a very personal decision. 

In our case, I remember really, and I try to use myself as an example because I'm willing to tell you guys the nitty gritty of my most horrible feelings, but in our case, when my husband and I moved in together, even though I was making a lot more money, one of the things that made me really anxious was I was like, “Babe, if I paid the majority of the rent, for example, and then you were to go out tomorrow and buy a $200 sweater, J crew, that would really make me angry. I told him that and I was like, “That's the truth. And I hate that. I would feel that way, but I would  and I want you to know that.” So, him and I came to that understanding of not putting everything together because he was like, “I realized that my spending tendencies might make you really uncomfortable and it might stop you from being able to do the things that you want to do.” It's really interesting because even today, as the economy is like trying to figure itself out and the stock market went down, he was like, “Man, I wish I could put a bunch of money into the stock market that I'd saved up and not like your remark for something very important.” I was like,” I have some, I could do it.” It’s fun to see the story later. The reason I tell you guys this story is because I think it's really personal decision on a personal conversation. It's really important that both people talk about this because to my husband he was like, “My parents never kept things apart. It feels weird to me to do that.” How do we do that in a productive way? And so in our case, we have things that we put together. Every month when each of us earns any income, we put it into, we put some money into our personal accounts and some money into our shared accounts. Our shared accounts we've put money towards our shared savings as well. The fun thing is when the stock market went down a few weeks ago, he turned to me and he said, “Why don't you take some money from the shared savings and start to put it towards the investment?” which is a really fun thing to do coz when we sat and talked about which stocks we wanted to invest in and how we wanted to do it, and it brought us a lot closer too. 





That's awesome. What are your investment strategies and just things that you do to kind of help you further with your financial independence? 

I'm not a financial advisor and whatever I say here, you should take with a grain of salt. My investment strategy is really all about common sense. What I mean by that is what we found is most couples, and this is true of individuals too, the first step is just getting started. Everyone's like, “I don't know where to get started. I don't know how to get started.” I remember my first job out of college, I made $30,000 and I did the very smart thing of living at home. So I didn't pay rent. I made this goal that every month I would put a hundred dollars towards my retirement account. I would try to save a thousand dollars, which was very aggressive on a $30,000 salary. I didn't always hit it every month, but essentially what that allowed me to do was suddenly six months in, I had more money than I'd ever had in my life, like more than $3,000 and I’m like, “What?” until I said, “Okay, great. How do I start to invest this?” So I emailed my whole family and I was like, “Hey guys, everybody give me your best ideas for investing?” Basically everyone came back and said, “Buy an index fund.” I was like, “That feels really boring”, but actually that was good advice. If you have $3,000, it probably makes sense to go buy a mutual fund or an index fund or tap into some ETF. In my case, I really wanted to get smart about investing and I wanted to dive into it and I have the personality where I'm willing to take a risk, as you can tell, I'm an entrepreneur, so I'm not afraid of risk. I decided that I was actually going to go and participate in the stock market, but my only rule to myself was that whatever money I put in, I can't take out for five years. That allowed me to build a really simple way. The ritual that I created was I said, every new years, I'm going to put money into the stock market. In December I sit down and start thinking about every place that I want to invest. In January actually make the investments. That's what I did for the first five years of my career. It was amazing. My portfolio has done very well, as you can imagine, because I did a very common sense approach and mind you not a very systematic one, but just one that made sense to me, where I was like, “What are the products that I use on a daily basis that I really love and I really believe have long term value?” I invested in things like Starbucks. I invested in Facebook. I invested in, I can't even remember all of them, Coca Cola and Costco. Those were some of the companies that I thought about. When I put my money in many years later, I've made quite a return on all of them. I think the only investment I've ever lost money on was Twitter. 

Well, what's awesome is I think that's great advice in itself because you have to really be interested in your investments and you want to have some kind of a buy in, whether it's emotional or what is something that you use every day, because you're going to just naturally pay attention to it and look at it and be in it to win it. There's so many people that like you said don't know where to start. I think index funds are a safe bet, but then you have to really look at yourself and say like, “Oh, well I really like XYZ. I'm a Coffee Bean person versus a Starbucks person. I'm going to go that way versus that or I just caused a war on them.” 

One thing I would emphasize is like, there are a lot of people in the world, like I would call myself a financial nerd. I like to go read, stock prices and look at the history and understand the ins and outs. That's fun for me in a way that most people probably don't. I think it's really important to emphasize that you got to figure out what's right for you. Like if you're like a set it and forget it kind of person don't go into the market, like go invest in the funds, and find some mechanism to do that or do robo advising or investing. If you're somebody like, “I like to be nerdy and I'm not afraid” because investing in the market sometimes is like legal gambling and you also have to acknowledge that you might just lose all your buckets. And that's a really scary feeling. One of my best friends, he's the complete opposite of me. He just keeps hoarding cash. I'm like, “What are you doing? My friend, you can't keep all of this in cash” and Corona happened. He's like, “You see?” It's a really funny situation, but each of us has to figure this out for ourselves. I think in his case, he was like, “For me, none of this automatic stuff works. I just need an advisor who sits down with me and talks to me about it and really understands my risk appetite before they put my money into the market.” And that makes complete sense. 





Yeah. I think what I'm really gathering from that is you have to know yourself. That’s pretty much it. Some people don't like to be emotional about where their money goes. Some people want to be, and it's not a good or bad thing. It's just literally figuring out because there's so many knowledge and wisdom out there that you can grab from books to podcast, to everything these days now. There’s just a crazy amount of information. It's a matter of  figuring out what is right for you, even with you, with the couples. It's just so many ways to handle the finances between two  people. It's pretty amazing that you guys are able to narrow it down to like the 33,33, 33. 

I just love that. I love your passion for getting couples to be financially educated and trying to figure that stuff out because the money piece in our relationship is very important. As you said, just with your experience, it's really good to have that correct so that you relationship doesn't get affected by that. What other areas of, I know you love finance, what other areas of just like in your life that you kind of like really love serving into or giving into? 

I am a big believer in deep relationships. My husband and I joke that I can't have like more than five people at one time because I'm that person who just likes to invest deeply in five relationships. I really believe like and this is a funny example. One of my best friends is a chef in New York city, as you can imagine her entire life has been turned upside down. Both her and her partner are chefs. They're expecting a baby in a few months and they're panicking because their personal businesses are falling apart. Her and I talk every single day and we probably talk more than either of us have time for it and be more than any normal human being should talk. The reason that we do it is because the two of us are just there for each other. Be respective of what happens, we're there for each other. I think for me personally, I get a lot of joy and a lot of satisfaction around those relationships and around our two dogs. I'm like, if I have relationships in those two dogs, I'll be happy for life. I really think about where to invest in how to invest, that's what comes to mind. I think on a personal note for me, I need to feel like the work that I'm doing is trying to even the playing field. I think Capitalism has a lot of pros and has done a lot for this country, but it's also left a lot of people behind. That really hurts to watch because I got to grow up in some of those environments. And so it's really important to me to be a part of trying to write the chip just whatever part that we can do. That's how I think about my life. 





Yeah. I love that. Deep relationships are so hard to come by nowadays when we are so distracted with social media and how it feels like everybody is your friend, but it's really not. A lot of people are just really near the acquaintances. I love that you shared that because I would love to kind of emphasize that to our listeners too. One thing for us, like even us to think about, is that what are the relationships that we have that are really deep in a sense that we really have real conversations and it's not just superficial conversations. And especially like, I think it's the whole, like, I think we're friends because I always comment. I always like your photo, but it's really not and so I love that you share that. What would be your three actionable tips to our listeners for them to pursue their version of a wildly wealthy life? 

The first is, I think you really have to know the life you want. My husband actually always says this to me and he's like, “Babe, you woke up and like you were born and you knew what you wanted” and I'm like, “You're right. I really did.” I think not knowing what, which life you're trying to go after is a thing that a lot of our generation struggles with. My husband, for example, it took him a while to figure out where he wanted to invest his time and his energy. He was like, “I think it comes so easy to you. That to you, it's almost like bizarre that I can't figure it out.” Which is a really important piece of feedback. I think even as I've talked to so many other folks in our generation, a lot of them don't know, and I think it takes time to figure that out. The other thing is that I think once you know what you want to do, the number one person I found typically stopping you is yourself. I don't mean I don't want to sit here and be like a spiritual guru and be like, “ Go live that life you want, you can be anything.” I mean, life is hard, shit is tough. You know, things cost money. Like it's not easy to be that person all the time. I think what I've found is that more often than not it's fear, that stops people from charging ahead. To give you very concrete examples. I remember talking to a person who was like, “My dream is to be a cop” and I was like, “Oh, that's awesome. How are you doing that?” And they were like, “What do you mean?” And I was like, “Well, I'm sure there's like a cop training or some schooling” and they're like, “Oh right” and I was like, “So have you taken a degree in like, trying to figure out how to be a cop?” And they're like, “Nope” and I’m like  “Why not?” They're like, “Oh, that just sounds way too scary.” I was like, “Oh my goodness”. These are the kinds of things where I think if you can unblock yourself and there are also people on the other end, like, Sheryl Sandberg very famously talks about in her book, how a woman wanted to have a family and she'd already like picked the baby name and like prep the baby. grew him and she wasn't even dating anyone. It sounded like, “Okay, you're ready.” I think that fear is a big part of people's lives and finding a way to remove that fear, I think is really important. The third is, people make really grand plans, but because we make really grand plans because we're people who are need motivation and inspiration, sometimes the baby steps to those plans are hard to figure out. Like the first wind, the second wind, the third wind, and one of the things I tell couples, like sometimes I'll talk to couples who are like, “Oh my gosh, we're $250,000 in debt. We're kind of figure out how to sort it out”. I'm like, “Just break it down. The first thing is to say on a month to month basis, are you positive?” And they're like, “Oh, that feels so much less pressure than trying to figure out $250,000.” Mind you that's a scary amount of money and I'm not trying to minimize how they feel. I think it's important to just say, how do you take the big vision and then break it down into smaller parts and say, “Okay, great. What's the first thing I have to do with the second thing that I have to do?” The other thing I like to say is I do it with it as a team. Whether you're in a relationship or you have friends around you, or you have people to support you and guide you as you do these things, because it makes for a much more fun journeys or adventures as I like to call it. 

Right. That's really awesome. With those points, just through your life and whatnot, how has your definition of wealth maybe changed and what do you see as a wealthy life right now? 

I actually told my husband the other day, I was like, “Man, I feel like my life's perfect.” He was like, “What? You're so stressed out. You have so much going on. We are in the process of building a house. Like you're trying to figure out how to make any money.” Like he was like, “How can you call this perfect.?” I was like, “I know, but I think it's perfect.” What I mean by that is like, I feel like I'm pursuing my path. I feel like I'm surrounded by really incredible relationships. I feel like I have, it's certainly not easy on my daily basis, but I feel like I am lucky to have the opportunities that I have and that I'm seasoned with them. I feel that gratitude, but I also feel like I'm doing my part to push it ahead. Honestly, to me, that is a wealthy life. And maybe the ability to buy a latte every morning.





I love that. Just the simplicity of like really being grateful for where you are right now. Also knowing that you are doing your part, to as you said earlier, like push the chip a little bit or  even it out a little bit, to give other people a step stool, a leg up, something that could help them also be able to pursue a better life. Thank you for sharing that. We are down to our quick 10 rapid fire questions that we ask our guests. Some of them are related to  podcasting with some of them are not. Say the first thing that comes to your mind and keep it concise. Are you ready? 

Number one, if you could choose one book to live by what would it be? 

Life of PI. 

Personal hero, living or deceased, someone you know or maybe don't know?

Oprah. 

The one thing that you intentionally have to do every single day.

 Shower.

One hobby that you have to do every day, or that brings you the most joy? 

Walking my dogs, taking care of them, hanging out with them. There's so much positivity, 

Most rewarding thing you've done for someone in need?

Actually I've been trying to do, as Corona's happened, there have been a bunch of instances around us in our lives where we could help people out in very small ways, like, continuing to give our house cleaners paid while they're not there or prepare dog Walker because they won't have the cashflow or whatever it may be. A bunch of little things have come up. One of the positive dynamics of this entire Corona thing is I feel like communities have really been coming together. 

Finally, all the divisiveness that this country has been feeling across politics, especially, I feel like there's melting away and people are reaching across and it's been fun to be able to contribute our small ways towards that. 

That's awesome. I love that. Number six, first movie quote that comes to mind? 

I just watched Rush Hour 2. Jackie Chan's comment to Chris Tucker which he says, “Do you understand the words coming out of my mouth?” 

Last big purchase you made for yourself?

We have been staying with my cousins and we have two dogs who insist on sleeping on our queen size bed every night, which is just horrible for your sleep quality. Since we got here, we dragged one of their, the dogs who typically live here, they're not here, but we took one of their beds into our bedroom. Our little dog has somehow for some crazy black magic decided that he's going to sleep on this bed and not on ours, which is like just magic in our mind. So we went and were like, we got to buy this bed. Like whatever hell it is, we have to buy it on the dogs who typically live here 200 pounds. So the bed is humongous. We went to Amazon and pay them atrocious amount of money that I think is appropriate for a dog bed, because were like, we don't care. This is going to save our lives. 

Priorities, you know. Sleep is a priority. 

We bought it last night so it's very timely.

Food you cannot live without?

So many. Bubble tea, tiramisu. Any dessert under the sun. Chocolate cake, mango juice. Oh my God. Pasta. My husband's pasta. I feel like I could spend an hour answering just that. 

What is your spirit animal? 

So many good ones. I personally love the Panda, but I also love the hippo. I grew up in East Africa and went on a lot of safaris and we got to hang out with a lot of hippos and they're just crazy animals. Like you do not mess with a hippo. I sometimes joke that I'm like, I like to be like a bit of a panda but I'm actually really a hippo. 

There's a video game called the Division 2. After you'd beat one of the levels, you can have a little hippo hanging at the back of your backpack while roaming around. It's awesome. 

I visited Tokyo once and I didn't know that they had hippos in their zoos. I had like the day of my life. I was like, “Wow, this is amazing.”

The last one, finish the sentence:  If I'm stuck in an island by myself..?

I just talked about this the other day. I would probably take my husband. I would take my dogs and I would take my AirPods. 

We have loved our time with you. Thank you so much. It's been awesome. Just two parting questions for you. Where can our listeners find out more about you? And if you were to encourage our listeners to give or serve into something, what would that be? 

So you can learn more about us and what I'm up to at AskZeta.com. If there were something that I encourage you all to do, I would say it's define your purpose. I think knowing what your purpose is, creates a lot of peacefulness for you and a lot of happiness. It's going to help you drive towards happiness. I think happiness is the thing we're all going after. 

Yeah. Awesome. Wow. Thank you very much. 

Thank you guys. 

That’s amazing. 

IMPORTANT LINKS

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The Money Date Podcast

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Farnoosh TV

The Washington Post

Business Insider

The Native Influence

Marriage, Kids and Money 

The 411K Podcast

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ADITI SHEKAR is the CEO and founder of Zeta, a tool to help young couples master their money together. As her relationship with her boyfriend-turned-husband evolved over 15 years, she realized the need for tools designed specifically to help couples deal with and talk about their finances. She's now building a company that makes money management much easier for couples and families.