@readthejointaccount

Heather + Douglas Boneparth

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Helping couples talk about money. @averagejoelle + @dougboneparth Subscribe to our newsletter and order our book, MONEY TOGETHER👇💸❤️

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readthejointaccount.com domoneytogether.com

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#money #relationships #couples #personalfinance #love #marriage #family #couplesgoals #newbook #bookstagram

Recent posts

Money Together is featured in The New York Times’ Your Money newsletter this week. I’m never one to be at a loss for words, but right now, I’m pretty close. They asked us for the most unique piece of thinking in the whole book (a tough question, for sure). After not sleeping for 48 hours, I knew it had to be this: Money Together views each partner as a whole person rather than just half of a couple. You bring your own background, beliefs, and lived experiences into your relationship, and those differences shape how you see and handle money. Too often, financial advice treats couples as a unit. People get lost in their marriages all the time. Through 30 short stories about real, messy, uncomfortable LIFE, readers will truly see their partners—and themselves—better. I can’t wait for you to read it. And soon, you can. #money #relationships #love #couplesgoals #newbook #bookstagram #books 09 Sep 2025

We’re so excited to officially welcome you to The Joint Account 🎉 our space to share honest convos, practical tools, and fresh ideas about love and money. We’re Heather (@averagejoelle) and Douglas (@dougboneparth): lawyer, financial advisor, and married couple with two daughters. Through our weekly newsletter, The Joint Account, we’ve been building a community around navigating money with your loved ones. And now … we’re about to really GO THERE. Our new book, Money Together, arrives on October 28, 2025! We wrote this book to help couples in every era of their lives approach money with greater fairness, sustainability, respect, and love. You will feel seen, heard, and ready to tackle whatever surprises life throws at you next, because it will. That’s the only thing we know for sure. Follow along here for bite-sized thoughts, behind-the-scenes updates, and real talk about balancing money and relationships. Thanks for being here ❤️💸🫶 #thejointaccount #moneytogether #loveandmoney #relationships #couples 03 Sep 2025

Well? How much? $100? $500? $1,000? Last month, the @cfpboard released a new report on money and relationships with one finding we are ALL OVER. Out of the married and cohabiting Americans surveyed, 72 percent have a check-in number! In our opinion, the most important rule for having a check-in number is that you both have the same one. That’s right. One of you doesn’t get a higher one just because you earn more money. In this week’s issue of @readthejointaccount, we get into the benefits of lining up your mutual expectations and how to choose a number that’s right for your relationship. Newlyweds, this is a GREAT one for you. Link in bio! #money #love #relationships #marriage #personalfinance 04 Nov 2026

One year ago, @dougboneparth and I published Money Together. And I am not kidding when I say to you that staying married - and still LIKING each other - is one of my proudest accomplishments from this whole endeavor. Over the past year, our book has taken us across the country, introduced us to incredible people, and opened doors to conversations about money and relationships that we’re so proud to be having. But don’t let the virtuous content fool you: working with your spouse is hard. Publishing a book with your spouse is the hardest. We approached this project with different expectations, different definitions of success, and very different levels of patience. We argued about marketing, turned date nights into work meetings, and managed to keep our family and wealth management firm thriving, albeit sometimes, at the expense of our sanity. We learned a lot about each other. Today, I’m reflecting on what this experience taught me about ambition, partnership, and building something meaningful with my spouse without losing sight of myself. And we’re celebrating with some exciting news about what’s next for Money Together, including a brand-new paperback edition coming next summer 😍 I wrote about all of it in this week’s issue of The Joint Account. Link in bio. #authors #marriage #relationships #couples #money 28 Oct 2026

Happy pub day to How I Invest My Money: Volume 2, a collection of essays I am so very honored to be included in. Despite its title, HIIMM isn’t really a book about investments. It’s a collection of deeply personal stories about what money means to the people making decisions with it. Taken together, these stories underscore something we talk about around here all the time: money is an expression of our values. A manifestation of our dreams. A coping mechanism for some of our deepest insecurities. And, sometimes, a vehicle of hope. I chose to write about the last one: magic. The fun aunt of hope. Lots of people have heard the watered-down story of how @dougboneparth and I mined bitcoin in 2013. But there were a lot of feelings behind that initial $3,000 decision, and a whole lot of feelings about it since. In today’s issue of @readthejointaccount, I share an excerpt of my essay in the book. If you’ve ever pondered the meaning behind your own money beliefs and decisions, this incredible collection will help you dig deeper. And as for me, I’m just honored to see my work aside some of the most important voices in personal finance. Thank you to @bportnoy for being such an ally and inviting me in. Now, go order your copy of HIIMM!! Link’s in stories and all over this week’s issue of our newsletter! #money #bookrelease #pubday #amwriting #personalfinance 20 Oct 2026

Let me explain umbrella insurance to you in plain English: You’re walking your 7 year old to the bus stop with her little mini umbrella. It’s pouring. So you open a giant golf umbrella that covers you both. (Insurance friends, leave me alone for oversimplifying to this extent!) I know there’s almost no money topic less sexy than insurance, but it’s still incredibly important to understand your personal exposures to risk and the ways you can mitigate them. Each quarter, in our One Big Thing series, Douglas and I share one major financial decision we’ve recently made. As we prepare for a massive home renovation (should the town zoning board approve it in December!!), we knew the time was right to take a fresh look around some corners in our lives. Big picture, it’s a good example of how our financial choices are living and breathing. They aren’t a one and done. They’re in constant motion, like the dump trucks that will hopefully be hauling away our kitchen next summer :) You can read it and subscribe to The Joint Account at the link bio / my stories. #money #insurance #home #homerenovation #couples 14 Oct 2026

Getting real with you all for a moment: I spent a good portion of this summer worrying that I had breast cancer. But I don’t. Given my family history, I’ve spent years under advanced surveillance. I know it is a privilege to have access to this kind of healthcare, and I always believed that having more information would help me feel more prepared for whatever came next. But when the hypothetical became something closer to real, I realized how emotionally unprepared I actually was. And I began to question generally what it means to know more. October is #BreastCancerAwarenessMonth, and I’m sharing a deeply personal story in this week’s issue of The Joint Account about the complicated relationship between information, uncertainty, and our health. Read the full essay at the link in bio 💗 #women #health #healthcare 08 Oct 2026

Here’s a question to ask your spouse: Where in our financial lives do we have too many eggs in one basket? For many households, the answer is company stock. In this week’s newsletter, @dougboneparth breaks down how to manage concentration risk, including what to consider when selling, tax issues to watch for, and what to do with the cash afterwards. As I like to say (okay, I just came up with it while staring at his hair), he really put his advisor visor on for this one! You don’t want to miss this one. And don’t forget to subscribe to @readthejointaccount so they come straight to your inbox each week. Link in bio. #work #money #finance #stock #couples 29 Sep 2026

Meeting your partner - or client, or friend - where they are might be the greatest demonstration of love you can offer. What does that mean in the context of talking about money, or household tasks, or pretty much anything else to do with your personal life? Well, it might just mean sending an email. In this week’s issue of The Joint Account, we talk about the small change I made that did so much for @dougboneparth. Read the full essay in stories or at the link in my bio. Btw, whatever happens after I send the email’s on him. I can do it - he still has to own what comes next 😉 #couples #money #communication #family #relationships 23 Sep 2026

Lord give me the strength! This week on The Joint Account, I explore the great in-beTWEEN we are currently in, and I’m not gonna lie: even as a skilled professional of the retail arts, this has been one of the toughest challenges of my career! And still, that doesn’t mean it needs to be a free-for-all. Two years ago, I introduced readers to my Steal, Staple, Splurge shopping framework. This week, I share how it applies to the next gen. Parents right there with me: comment below on what’s working for you! What brands are you surprised by? What’s been the most challenging part? Read the whole post at the link in bio and don’t forget to subscribe so you don’t miss the next one. #shopping #backtoschool #tweens #motherhood #parenting 18 Sep 2026

The Joint Account is back from summer break and we’re going Above Our Pay Grade. Most of you think of AI as a shortcut: something that can write an email, plan dinner, or settle an argument at the table. But what can it actually do for your family? I spoke with Wall Street tech veteran Dan Ives about how AI could help manage the mental load at home, what healthy AI use looks like for growing kids, and why they’ll need to understand it as a skill—not just to do the thinking for them. This conversation is practical, important, and much bigger than a chatbot. Check it out at the link in bio. . . . #ai #tech #family 09 Sep 2026

How much did you REALLY know about your partner’s financial life before getting married? We opened Money Together with a story from our honeymoon, where we got caught within earshot of a newlywed couple’s first fight about money. How did we know? Because every new fact seemed like a surprise. They were hearing it all for the first time, right then and there, over mussels and Aperol spritzies. But it doesn’t have to be like this. In this week’s @readthejointaccount, the final in our summer wedding series and my last before a much-needed summer break, we dive into six conversations every couple should have before tying the knot. If you’re engaged, in a serious relationship, or if you just feel like you’ve got more to learn about who you’re spending your life with, this one’s for you. Link in bio. #money #couples #relationships #weddings #personalfinance 19 Aug 2026

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DOYlL62lIKf	Money Together is featured in The New York Times…
DOI76dwDiqi	We’re so excited to officially welcome you to Th…
DfVeHqTmX58	Well? How much? $100? $500? $1,000? Last month,…

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shortcode	caption	likes	comments
DOYlL62lIKf	Money Together is featured in The New York Times…
DOI76dwDiqi	We’re so excited to officially welcome you to Th…
DfVeHqTmX58	Well? How much? $100? $500? $1,000? Last month,…

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username	full_name	user_id	is_verified	is_private	profile_pic_url

These are the columns. We can't show live rows: Instagram serves no follower or following list to a logged-out client, so we hold none until you order.

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Every account this one follows, same fields.

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username	full_name	user_id	is_verified	is_private	profile_pic_url

These are the columns. We can't show live rows: Instagram serves no follower or following list to a logged-out client, so we hold none until you order.

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