Dear Plenty Community,

Thank you to the 2,500+ couples who read this newsletter. As we celebrate this milestone, we’re making an update and here’s what you can expect.

• Biweekly newsletters

• Fresh new format: 2 x 1 x 1

  • 2 news moments in business / finance you should know about

  • 1 deep dive to help you and your partner with money

  • 1 tidbit for your relationship

In today’s blog post, we talk about the approach to setting goals that we wish we knew earlier in our relationship. On this week’s podcast, we welcome the man behind ther term FI/RE aka the Financial Samurai to learn how he retired at 34 years old and jump started the early retirement movement.

We couldn’t be more excited to be building Plenty to grow alongside your relationship. As always, if you have ideas or questions you’d like us to answer, write in to [email protected] - we’d love to hear from you.

Cheers,

Emily

Plenty’s 1 month free trial is built for couples to go further, together.

Overturning the chevron doctrine and how your life will change

The chevron doctrine previously gave federal regulatory agencies authority over courts when there were no explicit regulations ie. rules. This oversight was most commonly exerted over companies, with the belief that federal agencies are set up to protect consumers more reliably.

That may feel abstract, but here’s an example: let’s say a makeup company comes up with a new product and includes a new type of chemical that’s toxic. If that specific chemical is not regulated ie. it is explicitly identified and a set concentration is illegal, the federal regulators could previously come in and halt production because it’s toxic for consumers. With the chevron doctrine overturned, courts now have the authority to decide instead of regulators.

This opens up a randomness in decision-making since 850+ judges (with all different ideological beliefs) now have authority over decision-making in areas that don’t have regulations. As new technologies continue to be developed at a faster rate, this will increase the gap at which regulation is not able to keep up with businesses. To keep reading, here’s our top deep dive.

Investors are optimistic as the stock market reaches new records

The Nasdaq and S&P 500 are comprised of the largest public companies in the US. They reached new records as investors are optimistic about cooling inflation, which should trigger a decrease in the federal funds rate. Today, Fed chair Powell told Congress that the US is “no longer an overheated economy” and is returning to pre-covid era stability.

When interest rates stay higher, businesses tend to grow slower which impacts employment. Unemployment rates have continued increasing which will likely put pressure on the Federal Reserve to not further delay rate cuts.

What we wish we knew earlier about setting financial goals as a couple

As part of building Plenty, we’ve had the chance to work with countless couple therapists and financial therapists to learn the key things happy couples do when setting goals together (financial or not).

We designed Plenty’s product experience around goals as a result, to help support couples in focusing on what they’re working towards, together.

But if you’re still working on deciding what your goals should be (together or individually), we summarized all the best advice from the people we’ve learned from in a easy to follow 5 step guide.

A question for your date…

If we won the lottery, what would we do with the money?

Inspired by Dr. Megan McCoy: a financial therapist and licensed marriage therapist. Want to hear more from Megan? She joined us on and earlier Love and other assets podcast episode listen along here.

On this week’s episode

This episode of the Love & other assets podcast features a conversation with the man who coined the term FI/RE aka financial independence, retire early. We welcome the Financial Samurai to hear his decade in finance, retiring at age 34, and how he and his wife juggle making financial decisions together while raising their two kids.

Plenty is a wealth platform helping modern couples invest and plan for their future together. We bring the investment strategies and products of the wealthy to the everyday household. For more information, visit withplenty.com. If you ever have any feedback or questions, please do reach out to us at [email protected].

At Plenty, no financial topic is off-limits for modern couples. We offer straight talk and judgment-free guidance to help modern couples navigate the tricky and important intersection of money and relationships. Join thousands of couples who’ve signed up for our free newsletter today.

Plenty Financial RIA, LLC is an SEC-Registered Investment Advisor. All investments made are legally owned by you. Investing is inherently risky and Plenty does not guarantee positive performance. Investments are held in accounts at BNY Mellon | Pershings, the world’s largest securities servicing company and are SIPC insured. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Please see Plenty Financial’s general disclosures. Brokerage services are provided by Atomic Brokerage LLC "Atomic Brokerage", member FINRA and SIPC. Clearing and custody services are provided by Brokerage firm BNY Mellon Pershing, member SIPC. Plenty Financial RIA, LLC has a relationship with Atomic Brokerage to manage and execute investments on behalf of customers. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC. Registration as an investment adviser does not imply a particular level of skill or training.