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Live: IdeaCon 2025
October 25th, from 9-10 AM, Cense will be one of 10 featured startups tabling at IdeaCon 2025.
I’ll be demoing the new prototype, Cense Check, and talking all things personal finance.

Please come say hi! I look forward to seeing you there.
Live: Love Is Blind, But Your Finances Shouldn’t Be
The results are in. The most romantic part of your engagement might just be… your lawyer?
Before saying “I do” to NFL star Travis Kelce, Taylor Swift is reportedly finalizing a prenuptial agreement (aka “prenup”) to protect her $1.6 billion empire — from her master recordings to her right to write breakup songs about him.

Gif by tophermcgee3 on Giphy, Would it be wrong to hope for a breakup album?
She’s not alone. Gen Z couples are prenupping up too, even if their “empire” is mostly student loans, a laptop, and half a Costco membership.
So What?
Prenups are moving from taboo to practical. Not because Gen Z loves divorce, but because we finally see marriage as more than a Disney “happily ever after.”
Marriage (if you choose it) is ideally one of the biggest investments of your life. So it deserves a plan, including what the legal side looks like.
Learn: Prenups
Taylor Swift might be protecting her billions, but the logic applies even if your “assets” are Pokémon cards and a dream.
The reality is you already have a prenup — it’s just the default divorce laws of your state. They’ll decide how your stuff gets divided if you don’t.
Let’s Bust Some Myths
Myth #1: “A prenup means you think you’ll divorce.”
You don’t wear a seatbelt because you plan to crash (hopefully). You wear it because other drivers exist. Life happens and planning for that is smart.
Myth #2: “Prenups are only for rich people.”
You don’t need a yacht to want clarity about your student loans or savings account.
Myth #3: “Prenups are anti-romance.”
What’s sexier than financial transparency? (Okay, plenty of things, but having hard conversations about important stuff is intimacy, not distance.)
Typically a prenup covers…
- Assets you owned before marriage 
- How new income gets divided 
- Shared housing or children 
- Payments or support (and limits) 
- Property, inheritance, or student loans 
Consult an attorney even if you use a prenup service.
“We’ll never break up!” is a beautiful line that probably started most marriages that filed for divorce last year. Plans change, so plan ahead.
Leverage: Budgeting Apps
Prenups start with knowing what you own. Budgeting apps make that easier.
RocketMoney and Monarch are both popular options but there are tons of budgeting apps out there.
They track spending but also give a snapshot of your assets and debts in one place.
Pros:
- See all your accounts in one view 
- Clean, easy-to-use interfaces 
- Useful for tracking spending as well 
Cons:
- Some features are paywalled (Monarch has no free tier) 
- Accounts occasionally disconnect 
- Data updates can lag behind reality 
I use RocketMoney myself. I find it useful but not perfect. I struggle with the data lag issues.

Gif by pudgypenguins on Giphy, Sometimes using RocketMoney is not always a pleasure.
Also, quick reminder that I am not sponsored by any of the tools I note here. I wish I was! These are just the tools I use.
Launch!
Make checking in on your finances a monthly or quarterly habit.
Open a Note, Google Doc, or spreadsheet titled “Assets & Dreams.”
List out:
- Checking and savings balances 
- Retirement accounts 
- Other investments 
- Debts (student loans, car loans, etc.) 
- Anything else that adds to or subtracts from your net worth 
If you’re in a relationship, sit down and talk about:
- Your financial goals 
- The kind of life you want to build 
- How you’d protect it together 
If you’re not, map out what that future might look like for you.
Being on the same page financially isn’t planning for the worst, it’s setting yourself up for the best. ;)
Hey!
Thank you so much for being a part of this newsletter. I am grateful to write to you weekly and I hope this helps you feel more confident with your finances.
If you found this newsletter helpful, please share it with a friend and invite them to subscribe.
I have a goal of helping people learn personal finance. It works better when more people get my emails.
Thank you for helping me (and your friend) out!
—Ben Brosnahan




