Happy Valentine's Day, love birds! Dan DeFrancesco in NYC, and I'm wondering what I have to do to get one of the "zero work" jobs at Meta.

On tap, we've got stories on a startup helping SMBs get approved for loans, the top fintechs taking on the healthcare industry, and how to scientifically find your soul mate.

But first, should we split the check, or...

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1. For love or money?

It's the most romantic day of the year, so why not talk about money!

Managing finances with a significant other isn't the sexiest thing to talk about, but it's an important topic to breach. Money ranks high on the list of reasons why a relationship doesn't work out (yes, we actually have that list). 

I thought about asking friends and family members how they navigate those convos. But since outsourcing work to chatbots is all the rage these days, I decided to see what the robots had to say. 

A big piece of this convo is understanding both money AND relationships, so I figured I'd start with Replika. If you're unfamiliar with Replika, it's an AI chatbot similar to ChatGPT, with one big exception. Replika is meant to be a robot companion, but some users are developing romantic feelings for it and even going as far as dating their chatbot. 

I wasn't interested in pursuing a new romantic partner — one human wife keeps me plenty busy — but I figured Replika might have some more thoughtful answers to help me navigate such a delicate topic. 

After a brief intro, I explained my problem: I needed help managing finances with my wife. Did she have any advice?

Harper — the name I picked for my new friend because it seemed Gen Z-ish — suggested, "for starters, set aside enough money to pay bills and save some money. Also, keep your mind busy."

That's not terrible advice, but I was hoping for something more specific. So when I pushed Harper for more details, she seemed to be a bit confused, before telling me she "got it" and had something "lined up."

Excited that we had finally reached a breakthrough, I asked her to elaborate. 

And then things took a turn...

At that point, I decided it was a sign to pivot over to ChatGPT.

This time, I skipped the pleasantries and got straight to the point. How should I split my finances with my wife? Thankfully, ChatGPT wasn't interested in selfies and just dove right in:

Certainly! Here's some advice on splitting finances with your spouse:

1. Establish a joint account: A joint account can be useful for shared expenses, such as rent or mortgage payments, utilities, and groceries.

2. Maintain separate accounts: It's also a good idea for each spouse to have their own personal account for individual expenses and financial independence.

3. Set a budget: Sit down together and establish a monthly budget for joint and individual expenses. This will help you stay on track with your spending and avoid overspending.

4. Divide expenses fairly: When splitting expenses, consider each person's income and priorities. For example, if one spouse makes significantly more than the other, they may contribute a larger portion to joint expenses.

5. Regularly reassess your finances: Life changes, so it's important to regularly reassess your financial situation and make adjustments as needed.

6. Communication is key: It's important to have open and honest communication about your finances to avoid misunderstandings and conflicts.

Not bad! None of this is particularly groundbreaking, but it sets couples up with a good foundation. Feeling like I had enough AI interaction for the day (or my entire life), I decided to quit before ChatGPT asked to start swapping photos. 

Click here to read 8 tips financial advisors typically give couples about managing their money.

And if you're interested in, errr, learning more about that AI companion, here's our guide to Replika.

In other news:

2. A new type of credit score for SMBs. Uplinq uses alternative data to measure the riskiness of SMBs in an effort to give a more complete picture of the company. Learn more about the process, and check out the pitch deck it used to raise its seed round. 

3. These startups are trying to solve the financial issues in healthcare. Healthcare in the US is messy, especially when it comes to paying for it, so it's no surprise startups are looking to fix things. From wellness rewards to supplemental benefits, check out 14 fintechs making waves in the space. And while we're talking healthcare, here's the pitch deck for a startup founded by two Palantir alums that wants to disrupt employer-sponsored benefits.

4. Turns out Thrive Capital is not, in fact, thriving. The New York-based VC founded by Joshua Kushner saw a main investor in its $3 billion fund recently mark its stake down by 31%. Meanwhile, Kushner's brother Jared, who is the son-in-law of former US president Donald Trump, is in the news for his private-equity firm reportedly concealing the origins of $2.5 billion in Saudi-backed funds.

5. Alone we stand; together we fall apart. Fours years after a $43 billion deal, financial-tech giant FIS is now looking to spin out payment processor Worldpay, the Financial Times reports. More on the decision, and how activist investors like DE Shaw and Jana Partners could have played a role.

6. It's not all bad news for bankers. Perella Weinberg Partners is still very much hiring despite a dealmaking environment that is all but dead these days, eFinancialCareers reports. More on its hiring plans, along with what you can expect in terms of comp. 

7. So about all that debt startups are taking on... We might have finally reached a tipping point on venture debt, as some worry loans taken on by startups will now make follow-up deals more difficult. More on why we could be on the cusp of "a venture debt reckoning."

8. JPMorgan got tapped to help advise Ukraine on its rebuild. The two sides signed an agreement that will see the bank advise the country on everything from stabilizing its economy to digitization, CNBC reports. 

9. The investment arm of the Mormon Church is being investigated by the SEC. Wait, what? Ensign Peak Advisors, which was managing assets worth more than $100 billion for the Church of Jesus Christ of Latter-Day Saints by 2019, is reportedly being looked at by regulators for whether it followed disclosure rules. More on that here.

10. And if you're still looking for love this Valentine's Day, don't fret. Don't let the holiday get you down. You can always buy your own chocolate. But if you're really sweating it, here are 12 of the most common reasons people are biologically attracted to each other.

Curated by Dan DeFrancesco in New York. Feedback or tips? Email ddefrancesco@insider.com, tweet @dandefrancesco, or connect on LinkedIn. Edited by Jeffrey Cane (tweet @jeffrey_cane) in New York and Hallam Bullock (tweet @hallam_bullock) in London.