Welcome to The Joint Account

A newsletter helping couples talk about money


We’re the Boneparths. You may know us from such places as: the internet, the metaverse, or your real, actual life. In any case, we are grateful you are here.

For starters, here’s a bit about us. Doug is a millennial finance expert and the president and founder of Bone Fide Wealth in New York City. He’s been profiled in The New York Times, The Wall Street Journal, Barron’s, and has many viral hits on social media. Investopedia calls him one of the Top 10 most influential financial advisors, and he sits on the CNBC Financial Advisor Council. Heather is a recovering corporate attorney, avid writer, and director of business affairs for the firm. Together, we wrote The Millennial Money Fix: What You Need to Know About Budgeting, Debt, and Finding Financial Freedom in 2017, while on parental leave with our oldest daughter. (As one does.)

If you'd like to dive deeper into what we're about, you can read Heather’s OG newsletter, Our Tiny Rebellions, which searches for greater meaning in our little wins and losses. And Doug's newsletter, This Is The Top, combines personal finance with cultural commentary on the way millennials work, live, and spend their money.

Yet here we are, together in this newsletter, merging what was possibly the last thing we had to ourselves.

“Why in the world would you do this?” you’d ask, and we’re glad you did.

We’re writing a new book about navigating the power struggles over money in relationships. Titled The Merge, for now, our book aims to become the resource for marrying your money beliefs with the person you’re married to. We are so excited, but there’s a long runway between now and pub day, and too much to say to wait until then.

Addressing all kinds of money issues is crucial to the health of any romantic partnership. In this space, you’ll hear from Doug on the more quantitative (like, how much should be in an emergency fund?) and Heather on the qualitative (like, how can I explain to my partner that we need an after school sitter when he thinks we have it covered?). Sometimes, you’ll hear from us together.

Talking about money is hard, because it’s not just about the money. It’s about security, equity, trust, and feeling seen.

Are you in? Then forward this newsletter to your partner and suggest they subscribe, too. Let’s go there together. It’s kind of like we’re on a double date, but you don’t have to listen to Doug talk about memes for two hours.

Lastly, our plan is to answer reader questions in every other issue. If you have a couples-related money question that you’d like for us to answer in a future issue, please reply here or email us: [email protected]. Nothing is too big, small, or icky.

Thanks for being here. We’re excited to see where this goes together.

— Doug + Heather

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Find us on social: @dougboneparth + @averagejoelle