Request your first meeting

Fill in your details

We need this information to better understand your needs — it will take less than a minute.

What’s your name?
What is your available capital?*
How would you prefer the first contact?*
Leave us a phone number
E.g. +34 622 122 122
Leave us an email
E.g. info@qualityfinance.es
Finally, what is your Postal Code?*
I accept the privacy policy *
Thanks! I have received your form submission, I'll get back to you shortly!
Oops! Something went wrong while submitting the form
Prefer to talk it through by phone? Call Eduardo on +34 679 95 71 94
We use cookies to provide you with the best experience on our website. You can learn more about which cookies we use or disable them in the settings.
Settings
RejectAccept

My partner and I earn very different amounts and we don't know how to organise ourselves

Take control of your wealth.

Tell us your situation in 20 minutes, no commitment.

Talk to an adviser →

Few things create more silent tension in a couple than money. Even more so when one earns far more than the other.

Without shared criteria, an imbalance in income ends up becoming an imbalance in power.

That is what Andrea and Sergio wanted to avoid before it became a problem.

Andrea and Sergio, 36 and 39, a couple with one child

She is self-employed and bills high amounts; he has a stable but lower public-sector salary. Their situation when they came to Quality Finance:

  • Very unequal incomes between the two of them
  • A joint mortgage and the expenses of a young child
  • Savings concentrated almost entirely in her account
  • Conversations about money that tended to end badly

They wanted a system both of them felt was fair, without either feeling dependent or policed.

“We don't want money to be the reason we argue every month.”

They came to Quality Finance to design that system properly.

What did we do together?

We turned a source of friction into a shared plan.

  • Contribution model: We proposed splitting shared expenses in proportion to each person's income.
  • Savings in both names: We organised their investments so that wealth grew for both of them, not just for the higher earner.
  • Protecting the lower earner: We reviewed insurance cover and provision so that neither of them would be left unprotected.
  • Tax for the self-employed partner: We put the tax side of her irregular income in order.
  • Clear rules: We defined what is shared, what is individual and how important decisions get made.

After the report, Andrea and Sergio understood that:

  • Earning different amounts didn't mean saving unequally
  • A clear system reduced the arguments
  • Both of them were protected whatever happened

Money stops being a problem

The couple went from arguing every month to reviewing their finances together, with clear rules and the feeling of playing on the same team.

All details of this case have been changed to protect privacy. It is an illustrative example and not a recommendation to invest.