‘I’m looking for a man in finance’ – here’s why TikTok’s viral video is no joke – NBC 6 South Florida

  • When TikToker Megan Boni sang about trying to find a “man in the finance industry” with a “trust fund,” the world took notice.
  • However, hiring a “finance bro” from Wall Street does not guarantee financial security, say some experts. In fact, it can be risky.
  • If you are planning to get married, a prenuptial agreement can provide some protection for both parties.

The finance brothers are having their big moment right now.

Just ask for content Creator Megan Boni, who on April 30 released a clip from her account @girl_on_couch introducing a new song. The lyrics simply read: “I'm looking for a man in finance, trust fund, 6'5″, blue eyes…” Her 20-second video has more than 38 million views and counting.

A spokesperson for Boni did not immediately respond to a request for comment from CNBC, but Boni recently told People that the song was intended as a parody of women who complain about being single but also have high expectations of potential partners.

“I just laughed about it,” she said.

According to Fair Play author Eve Rodsky, “You can joke about things if they don't seem serious to you, but this is like making a joke about reproductive rights.”

“It boils down to us not understanding our history,” Rodsky said.

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Still, there are many reasons why the lyrics resonated with millions of TikTok users.

“We've heard so much about how bad the dating apps are, how bleak the dating landscape is,” said Casey Lewis, a social media trends expert and founder of the trend newsletter After School.

“There are a lot of single women who are searching but can’t find what they want,” Lewis added.

“If you tie a man down in finance, you’re done for, so to speak”

The search for a wealthy “financial expert” comes at a time when more and more women are reporting feelings of frustration and financial vulnerability.

“There is a feeling that no matter how hard we work as women, we can barely make ends meet,” Lewis said.

Although women are achieving increasingly higher levels of education and are represented in senior management positions, they still earn According to an analysis of U.S. Census Bureau data by the National Women's Law Center, the wage for men is just 84 cents on the dollar. This dynamic has shown no significant signs of improvement for decades.

“It feels like you're saying, 'If I just tie up one guy in finance,'” Lewis said, “you're sort of done.”

“The financial guy can probably take care of you and shower you with nice things – that's tempting,” she added.

A return to traditional gender roles

The idea of ​​seeking a man in finance follows the TikTok trends “Tradwife” and “Stay-at-Home-Girlfriend,” which also glorify a return to traditional gender roles and stereotypes.

However, hiring a Wall Street guy does not guarantee financial security, Rodsky said. “When you enter into an agreement like this, you are taking a huge economic risk,” Rodsky said.

Once you've given up power and your partner has the economic advantage, you're especially vulnerable, she explained. “Often expectations don't match,” Rodsky added.

So, “If you do it, do it with a prenuptial agreement or a postnuptial agreement,” she said.

“Marriage contracts can be very tricky”

If you are planning to get married, you should think about how you and your spouse can protect your assets and financial interests if you ultimately go your separate ways.

And if it's “the guy in the financial world with a trust fund,” he and his family will likely have a greater interest in protecting the family wealth — and also have the means to make sure the arrangement reflects that, says Heather Boneparth, a writer and former corporate lawyer who now runs the business affairs of Bone Fide Wealth, a wealth management firm based in New York City.

“It's not nefarious and it doesn't mean they're trying to trick you; it's probably just the truth,” Boneparth said.

Having your own legal representation through a separate firm will help you negotiate the contract and meet your needs without conflicts of interest, says Kelly Schwab, a family and matrimonial attorney at Chemtob, Moss, Forman and Beyda, LLP in New York City.

“It's not a joint venture. Prenuptial agreements can be very tricky,” Schwab said.

If handled wisely, a prenuptial agreement can serve as a form of protection by including certain safeguards, such as an equalization clause that requires one spouse to pay the other a set amount in the event of a divorce, says Julia Rodgers, a family lawyer and co-founder and CEO of HelloPrenup, an online platform for affordable prenups.

Overall, “you need to fully understand what you are signing and feel comfortable with it,” says Boneparth.

Marriage is “also an economic agreement”

Whether good or bad, money plays a big role in most relationships.

“Marriage is a bond of love, but it is also an economic agreement,” says Stacy Francis, a certified financial planner and president and CEO of Francis Financial in New York.

And regardless of who has greater financial resources or income, both partners should be involved in decisions about money, said Francis, who is also a member of CNBC's Financial Advisor Council.

“For women, it means building their financial confidence,” she said.

“When it comes to money, you have to be able to take care of yourself and not rely 100% on a man,” she added.

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