Arguments about money can slowly chip away at even the happiest relationships. It’s rarely about who loves who more — it’s about bills, spending habits, and feeling like one person is carrying more of the load. But some couples never seem to fight about finances at all. According to CA Nitin Kaushik, that’s not luck, it’s strategy. Wealthy couples use a simple system that removes awkwardness, builds trust, and protects their future — all without killing personal freedom.
The 4-account formula wealthy couples swear by
The system starts with separating money into four distinct accounts, each with its own purpose.
1. The household account
Both partners contribute here in proportion to their income. This is where rent, groceries, EMIs, bills, and subscriptions are paid from — no more awkward “who’s paying what” moments. It runs the household, not the arguments.
2. The joint savings vault
This is for shared long-term goals — buying a home, funding children’s education, travel dreams, or building an emergency fund. The rule is simple: neither partner can touch it without both agreeing. It’s not “his” or “her” money — it’s a shared safety net for the future.
3. His personal freedom fund
For hobbies, gadgets, gym memberships, investments, or spontaneous online buys. No permission needed, no guilt trips. It preserves individuality and stops partners from micromanaging each other’s choices.
4. Her personal freedom fund
For skincare, clothes, brunches, or trying out a side hustle. No questions, no judgment. Financial independence here strengthens respect and prevents secrecy.
Why it works?
CA explains that by removing the ambiguity around “bad spending,” the system kills resentment before it starts. Each partner keeps financial independence while staying aligned on shared goals. Regular “money sync meetings” every three months — like a mini board meeting — keep both partners updated on what’s changed, what’s coming up, and how plans are tracking.
Some wealthy couples even park their savings in a trust or LLC to shield it from lawsuits or other risks. It’s not just about earning and saving — it’s about protecting what you’ve built together.
Kaushik sums it up simply: most couples don’t fall apart over cheating; they break down under financial stress, secrecy, and blame. With this system, couples argue over expenses, while the rich never need to argue at all.
The 4-account formula wealthy couples swear by
The system starts with separating money into four distinct accounts, each with its own purpose.
1. The household account
Both partners contribute here in proportion to their income. This is where rent, groceries, EMIs, bills, and subscriptions are paid from — no more awkward “who’s paying what” moments. It runs the household, not the arguments.
2. The joint savings vault
This is for shared long-term goals — buying a home, funding children’s education, travel dreams, or building an emergency fund. The rule is simple: neither partner can touch it without both agreeing. It’s not “his” or “her” money — it’s a shared safety net for the future.
Couples Fight Over Money. Rich Couples Don’t. Here’s Why…
— CA Nitin Kaushik (@Finance_Bareek) August 13, 2025
It’s not about love, chores, or time.
👉 Most relationship stress starts with money.The rich? They cracked the code.
🏦 4-Account Formula That Saves Marriages & Bank Balances 🧵👇🏼#stockmarketscrash #finance #nifty… pic.twitter.com/9dzXRmw2Ot
3. His personal freedom fund
For hobbies, gadgets, gym memberships, investments, or spontaneous online buys. No permission needed, no guilt trips. It preserves individuality and stops partners from micromanaging each other’s choices.
4. Her personal freedom fund
For skincare, clothes, brunches, or trying out a side hustle. No questions, no judgment. Financial independence here strengthens respect and prevents secrecy.
Why it works?
CA explains that by removing the ambiguity around “bad spending,” the system kills resentment before it starts. Each partner keeps financial independence while staying aligned on shared goals. Regular “money sync meetings” every three months — like a mini board meeting — keep both partners updated on what’s changed, what’s coming up, and how plans are tracking.
Some wealthy couples even park their savings in a trust or LLC to shield it from lawsuits or other risks. It’s not just about earning and saving — it’s about protecting what you’ve built together.
Kaushik sums it up simply: most couples don’t fall apart over cheating; they break down under financial stress, secrecy, and blame. With this system, couples argue over expenses, while the rich never need to argue at all.
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