Prudence Zhu is the founder of Baoba USA and Enso Financial, helping couples and families turn money stress into success. Born in rural China, she moved to the US alone in 2012 and achieved financial freedom by 2021. Prudence is a CPA, CFP(R), and Certified Financial Therapist with an MBA from the University of Notre Dame and an MS from Arizona State University. She lives in Phoenix, Arizona with her husband and two children. Sheryl Garrett is the founder of the Garrett Planning Network and a pioneer in fee-only financial planning. She advocates for accessible, client-focused financial advice and has been recognized widely for her leadership in the industry. Sheryl is also an accomplished author and speaker, promoting transparency and fairness in financial planning.
""A Couple's Guide to Money is a must-read for couples looking to deepen their connection through better money conversations. Prudence Zhu beautifully weaves together real-life case studies, life planning insights, and interactive exercises that turn passive reading into meaningful action. Her approach reminds us that money isn't just about math - it's about values, emotions, and how we show up for each other through every phase of life. This book is a powerful guide to building trust, habits, and a shared financial vision."" - Tony Steuer, Author, Podcaster and Financial Fluency Advocate ""It's a life-changer realizing our own fears and money beliefs were holding us back and splitting us apart. But what's been most surprising is how much our experience has changed when navigating through difficult conversations. We talk more openly about money and our feelings, understand each other a lot more, and we're making plans together for the first time in years. It feels like a fresh start!"" - David, Toronto, Canada ""Ever since I started the program, I've noticed that I've been more present with my partner and more patient with myself. I'm no longer scrolling down my phone out of boredom when I'm sitting in the passenger's seat with my kids in the back seat when my husband is driving. Instead, I pay attention to the music or conversation in the car, and add to the energy that's developing. I feel more connected. My financial outlook has shifted too-I'm no longer just getting by while hoping things would change one day; I'm actively creating it with my partner."" - Laura, Chicago, USA ""The exercises in this book have been eye-opening. The moment I read through the first one, I'm already filled with guilt, seeing clearly where I've fallen short all those years. I'm starting to realize how much I ignored and have taken for granted for years. I've already started to change, and my wife is happy to see my change. She's now filled with excitement for where the journey would take us!"" - John, Calgary, Canada ""I thought I had everything figured out, but after going through the process, I realized how much more I could gain by having regular and deep conversations with my partner, and align my personal goals and actions with my partner's. The insights I've gained about love and money have not only brought us closer but have also sparked new ideas for our financial future. I'm so grateful for this!"" - Ashley, Seattle, USA