Engineered Wealth

Most couples handle shared finances one of two ways — everything in one pot, or a straight 50/50 split. In this episode, Lucas Marsh, CFP® and founder of Engineered Wealth Management, makes the case for a third option: proportional expense splitting based on income.Lucas shares the exact system he and his wife have used for 10 years, including a walkthrough of the household expense spreadsheet they use every month. You'll hear why equal contributions don't always mean equal sacrifice — and how the right system can take money fights off the table entirely.In this episode:Why the one-pot and 50/50 methods often breed resentmentThe five reasons proportional splitting works betterHow the spreadsheet works — fairness, transparency, autonomy, adaptability, and scalabilityWhy this system runs on autopilot, no monthly money arguments requiredA teaser on backdoor Roth contributions for high earners📊 Free Spreadsheet TemplateGrab the household expense-splitting spreadsheet mentioned in this episode:👉 https://engineeredwealthmanagement.com/monthly-family-contributions/🎥 Related ContentWe reference our Monthly Family Meeting episode in this one — worth a listen if you haven't heard it yet. Find all episodes at:👉 open.spotify.com/show/5UC3D8XIOWnPZy2ujGiRYZ📬 Stay ConnectedSubscribe to The Blueprint by EWM, our free newsletter:👉 engineeredwealthmanagement.comYouTube: youtube.com/@EngineeredWealthManagementFacebook: facebook.com/EngineeredWealthManagement📅 Work With UsEngineered Wealth Management is a fee-only, fiduciary financial planning firm serving clients virtually nationwide. If you'd like to explore working together:👉 engineeredwealthmanagement.com/schedule⚠️ Note: This episode includes a spreadsheet walkthrough that was originally recorded as video. The template is available free at engineeredwealthmanagement.com so you can follow along.This content is for educational and informational purposes only. It is not personalized investment, tax, or legal advice. Engineered Wealth Management is a fee-only registered investment adviser. Registration does not imply a certain level of skill or training. Please review our Form ADV and important disclosures at engineeredwealthmanagement.com.

In this episode I'm sharing the most impactful thing my wife and I have implemented as a family — the Monthly Family Meeting. Before we started doing this, our household felt reactive. Finances were chaotic, kids' activities slipped through the cracks, and important conversations kept getting pushed to the worst possible moments.One structured monthly meeting changed all of that.I walk through the exact agenda we use every month — covering finances, the family calendar, goal setting, open items, and more. It takes about as long as a Netflix episode and has genuinely strengthened both our household and our relationship as a couple.If you're a busy professional or parent trying to get more aligned with your partner and get ahead of the chaos, this one's for you.Resources mentioned in this episode:Engineered Wealth Management: https://engineeredwealthmanagement.comSchedule a free intro call: https://engineeredwealthmanagement.com/scheduleTraction by Gino WickmanMike Kotsis — EOS for Families: https://mikekotsis.comThis content is for educational and informational purposes only. It is not personalized investment, tax, or legal advice. Every person's financial situation is different and you should consult with your own qualified financial, tax, or legal professional before making decisions. Engineered Wealth Management is a fee-only registered investment adviser. Registration does not imply a certain level of skill or training. For more information including our services, fees, and important disclosures, please visit engineeredwealthmanagement.com or review our Form ADV.

In this first episode of Engineered Wealth, I explain why this podcast exists, who it’s built for, and how I think about money and life decisions differently than most financial content you’ll find online.This show is for professionals and families who earn well but want more clarity, margin, and confidence in how their money, time, and priorities fit together. Rather than chasing optimization, hot takes, or one-size-fits-all advice, I approach financial decisions the way an engineer would: clear inputs, thoughtful tradeoffs, and systems that hold up over time.