When I was in college, my brother was working on wall-street as a budding mergers and acquisitions analyst. We were on the phone late one night and he made an interesting comment that I didn’t understand until later life. He said that banks “make money”.

To understand precisely what this means, you should check out the following video. It’s a 45 minute animated educational movie on the history and evolution of money. The video is titled “Money as Debt” and is a very accessible explanation of the fractional reserve banking system in America. For those of you who don’t know how the federal reserve works, it’s a great introduction to how our government and economy regulate the our nations supply of money.

The author is Paul Grignon, a film and landscape artist from Canada. While Grignon’s movie is a great educational tool, its important to keep in mind that that it has a decidedly iconoclastic bent. Not everyone takes Grignon’s views toward the fractional banking system. However, you shouldn’t take my word for it, feel free to view the video and make your own judgement.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

Couples Finance

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