One thing about Americans is that we don’t negotiate often. That is to say, most of the time when we want to buy something, we usually don’t attempt to negotiate the price. This is a shame because very often negotiations can result in pretty substantial discounts for the consumer.

For example, Miel and I recently bought a necklace at a jewelry store for her. Because we haggled about the price we were able to get 10 percent off (a savings of $60…we were buying bling). Maybe $60 isn’t a lot, but we also negotiated on other things like, phone bills and our joint goals.

Just to help inform you about negotiation and how to negotiate, we’re including a handy google video you might want to check out:

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.

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