A LinkedIn post by Delhi-NCR-based entrepreneur Ayushmaan Kapoor has triggered a wide-ranging discussion on marital financial planning after he questioned the money habits of a high-earning couple. Kapoor, founder of relationship-focused venture The Date Crew, criticised the couple’s decision to meticulously split household expenses down to the last rupee despite earning a combined annual income of over Rs 60 lakh.
The post, based on a real-life couple living in Gurgaon, described both individuals as salaried professionals earning more than Rs 30 lakh each per year. However, rather than operating with a joint financial strategy, Kapoor observed that the couple maintained a strict ledger of expenses — including rent, groceries, fuel, food deliveries, and utilities — which they divided equally through platforms like Splitwise or Google Sheets.
“A couple living in Gurgaon. Work at great companies. Make Rs 30L+ each. But still maintaining a Splitwise or Google Sheet to divide every single expense: rent, groceries, fuel, Swiggy, electricity,” Kapoor wrote in his post.
“All logged. All split. Each person ‘pays their share’ — like flatmates. It’s baffling to me. And I will tell you why!”
Describing such behaviour as symptomatic of a lack of shared goals, Kapoor went on to argue that a successful marriage should function like a company — with common vision, pooled resources, and clearly defined roles.
“When you marry someone, you’re essentially co-founding a company. And that company… is your life together,” he explained.
“So imagine the chaos if both co-founders have different goals, different expenses and different priorities. Will that company EVER succeed?”
He laid out four critical elements he believed were necessary for a successful marriage:
- A shared vision and goals — such as taking a significant holiday or reaching a key investment target.
- Clarity on roles — determining who manages finances, household chores, childcare, or emotional labour.
Pooled capital and joint financial plan — merging resources to fund mutual goals. - Regular reviews — to track progress and remain aligned.
Kapoor argued that when couples begin to see their life as a shared enterprise, their financial mindset must also evolve. He urged couples to have open conversations around money and focus on joint investments rather than individual payments.
“Instead of splitting bills, invest together. Pool your resources. Understand each other’s dreams and figure out how to fund them together.”
While Kapoor’s perspective found resonance with many who agreed on the need for unity in financial planning, his remarks also sparked criticism and debate across platforms like LinkedIn and Reddit.
“After using Splitwise for some time, they will split wisely…” one user quipped, reacting to his post.
Another wrote, “Agreed, but don’t you think having a system like Splitwise or Sheets in place only adds more clarity and transparency? Let’s be honest, it gets tough to have money discussions in general. Wouldn’t this solve the problem entirely?”
On Reddit, where a screenshot of the post was shared, users questioned why Kapoor was so concerned with another couple’s personal choices.
“Splitting expenses in marriage is reasonable, as long as there’s a clear joint plan around savings and investment goals,” said one Redditor.
“Transactional relationship is one of the major causes of separations lately. And I have heard this from a therapist,” another user commented.
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