Rachel Cruze joins me to answer a question from anonymous: "My husband wants separate bank accounts and I don't. What should I do?" We discuss the options available to our anonymous friend including the importance of clear communication and even asking for support from a marriage counselor. Rachel and I also discuss her thoughts on the Enneagram Test, how she differs in opinions from her Dad, Dave Ramsey and what she thinks of the FIRE Community.  During the second part of the episode, I throw out another MKM Challenge to reflect on 2020 and fight our instincts toward negativity. Lastly, Zoey joins me for our very first "Money Quiz"!