Welcome to The Joint Account.
We started this newsletter because we couldn’t find spaces that explored money inside of relationships. Not just the mechanics (budgets, investments, net worth) but the emotional side: who earns what, who worries more, who takes the career risk, who handles the day-to-day, and how all of that shifts over time.
Talking about money is hard, because it’s not really about the money. It’s about trust, power, values, and feeling seen. So, that’s what we cover.
Each week, we go long on the conversations couples avoid, the power dynamics nobody names, and the messy moments where love and money collide in ways that are oh-too-real.
We’re Heather and Douglas Boneparth, a married couple who has lived the life cycle of some marriages before even getting married. Now, we work together, write together, parent together…you get the idea.
Douglas is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Bone Fide Wealth in New York City. He’s been featured in The New York Times, The Wall Street Journal, Barron’s, and more. He sits on the CNBC and Investopedia advisor councils and moonlights as a meme lord.
Heather is a recovering corporate attorney who spent more than a decade in the commercial insurance industry. Now, she runs business and legal affairs for Bone Fide Wealth and spearheads the content you’re reading right now.
Together, we wrote Money Together: How to find fairness in your relationship and become an unstoppable financial team (Harriman House 2025), a book for couples who want to build a shared financial life without losing autonomy, trust, or themselves in the process.
This works better with two.
Forward this to your partner and get them to subscribe, too. Think of it as a double date, but without Doug’s dad jokes (most of the time).
And it works even better when we hear from you. Never hesitate to reach out with a question, comment, or ways we can work together.
— Heather + Douglas
Follow us everywhere: @dougboneparth + @averagejoelle
The content shared in The Joint Account does not constitute financial, legal, or any other professional advice. Readers should consult with their respective professionals for specific advice tailored to their situation. The information contained in this post is general in nature and for informational purposes only. It should not be considered as investment advice or as a recommendation of any particular strategy or investment product. This post is not a solicitation or an offer to buy or sell any specific security. Bone Fide Wealth cannot guarantee the accuracy of information from third parties.
