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Of course, you and your partner are anxious.
How could you not be?
If anyone would know, its Carlos Ruiz, CFP, of Pivot Wealth Advisors.
Youve got to figure out the bare essentials.
Things like housing, food, transportation.
This isnt your forever budget; its the if things get tight, were covered version, he said.
Ruiz recommends putting between six and nine months worth of core expenses in ahigh-yield savings account.
Better to know your gaps now than scramble later.
Decide together what youre willing to cut and what youre not.
Its different for every couple some will cut groceries before childcare, others the opposite.
What matters is being clear on your values together, said Ruiz.
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