6 Secrets of Millionaire Couples


Having the right partner can do wonders for your finances.

The right partner can 10x your wealth building journey, while the wrong partner can sink the relationship

Here are 6 secrets of millionaire couples.

This article was written by a Financial Horse Contributor. 

1. Open about money

Wealthy couples are on the same page when it comes to money. 

You first need to be open & frank about your finances, before you can grow wealth together.

If one person is hiding bad debts or have completely different money goals, that is basically internal sabotage. 

Only if you are on the same boat, can you row together towards success. 

Once you are clear about your finances, you can aim big together. 

It is much more motivating when both partners are aiming towards the same financial goals. 

2. Two is better than one

Obviously when it comes to income, 2 partners working towards the same goal makes it faster.

Even on a single income, the other partner is doing their share of labour to make sure the other can focus on work, which is an important contribution. 

Additionally, when you work as a team, you can manage your finances better.  

If only one person is managing all the money, you are not maximizing the advantages of being a team.

While each person may have their own strengths (investing, tax, budgeting etc.), it is still important for both parties to be working together as a team. 

You can also avoid bad decisions and money mistakes if you work as a team, as you have another person to consult before making any big financial decision. 

2 brains are better than one. 

3. Growth mindset

Successful couples have growth mindset.

Each person is growing, and continually inspires the other person to grow.

This self-made millionaire couple made their money before turning 21. 

19-year-old Joella and 20-year-old Dalton note that they grew up with an entrepreneurial mindset. 

“You know the people in primary school who go and buy the six-pack of erasers and sell each one individually? We’re that kind of people,” she laughs.

The pair make a comfortable $70,000 to $150,000 monthly from their various businesses and investments.

Dalton runs two start-ups: Glance.sg, a hyperlocal platform for freelancers, and ContainerPay, a payment processing system for the shipping industry.

Joella operates several stores on e-commerce platform Shopify. She also handles the pair’s stocks and cryptocurrency investments.

4. Emotional support

Having a supportive partner means that you can handle the ups & downs of life. 

Life is not a linear journey.

There will be ups & downs, u-turns, and different paths you can take.

Having an emotional support helps you a lot in your wealth building journey as you experience setbacks.

You can brush yourself off and keep going with a supportive partner. 

This applies to big successes as well.

Did you know that most lottery winners lose all their money in a matter of years? 

This is because they are ill-equipped to handle windfalls.

They do not know how to keep the money, and invest it (wisely), often because they do not have the emotional control to handle large sums of money. 

If you are mentally and emotionally grounded, you can overcome setbacks and multiply successes together. 

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5. Power couples

Beyonce and Jay Z are one of Hollywood’s most famous power couples. 

Beyonce obviously needs no introduction and her wealth comes from her incredible career as an international superstar. 

But did you also know that Jay Z is now worth more than $2.5 billion? 

Jay-Z became rap’s first billionaire back in 2019, with stakes in Armand de Brignac champagne and D’Usse cognac. His wealth ballooned in recent years in part to the growth of his entertainment company Roc Nation, his sale of the streaming service Tidal as well as numerous investments in companies including Uber. 

According to CNBC, in a 2010 sit-down with legendary investor Warren Buffett, Jay-Z compared his approach to his music career with the Oracle of Omaha’s strategy of investing only in businesses he understands rather than what is most popular.

“Music is like stocks, there’s the hot thing of the moment” Jay-Z told Forbes at the time. “People tend to make emotional decisions based on that. They don’t stick with what they know.”

At the end of their conversation, Buffett said that soon enough, young people would be looking to Jay-Z for their money-making advice.

“Jay is teaching in a lot bigger classroom than I’ll ever teach in,” Buffett said. “For a young person growing up he’s the guy to learn from.”

Ryan Reynolds and Blake Lively are another Hollywood power couple. 

Reynolds’ investment in Mint Mobile just bagged him US$300 million after T-Mobile bought it for US$1.35 billion, and also runs a successful digital agency.

In 2018, Reynolds bought a stake in alcohol business Aviation American Gin, before selling it just two years later to European beverage company Diageo for a whopping US$610 million, per Investopedia.

Lively started her own non-alcoholic beverage brand, Betty Buzz, and has been snapped up as brand ambassador by multiple luxury brands.

6. Using leverage wisely

With a lot of big expenses, being a couple can help save costs. 

For instance, rent or mortgage payments and health insurance can be shared. 

According to Forbes, a couple making $100,000 a year who invests 25% of their income due to reduced expenses in marriage (and earns 6% on their investment) would have over $2 million dollars in 30 years.

Using leverage wisely can also help couples’ net worth escalate. 

Buying a home is one of the most straightforward wealth building choices that couples can make, and having a combined income usually allows you to take a bigger home loan. 

This investment into your home compounds immensely over the years to become a sizeable asset. 

At the very least, investing in a home acts as a formed of forced savings, which provides a baseline of assets in old age. 

There are many ways to maximize leverage via home ownership, examples include:

  • Own two private properties (one under each name) and rent one out
  • Rent a low-cost option, buy a private property and rent it out 
  • After the 5-year MOP, keep your HDB and pay ABSD to buy a condo, and rent one property out  

Choose your strategy according to which suits your lifestyle and/or which gives you better yield.  

Check out FH’s Guide to Property Investing!

You can also snowball your retirement planning as a household. 

Utilize CPF smartly for your housing needs, and also use CPIS to invest, and save on taxes. 


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  1. well first ask yourself whats a share, what is it used for, what am i investing in, a fad, an exciting promise, a trend, a news, what is it, how long its been around, follow oracle of ohama, like you can get kfc’s colonels appreciation thankyou cikgu


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