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Keep ‘em separate. You never know what the future holds.
Not offended at all. Just because it’s joint doesn’t mean it’s not easy access.
You need to provide more information about your household to get a helpful answer. Do you both work? If dual income and high tax bracket, contributing to retirement account will reduce your taxes. Do you have kids? Would you still have emergency fund after you both contribute to retirement? 🤦🏼♀️
Short answer, no. Combine everything. It’s both of yours, not just one of yours.
While I fully agree with combining finances the post was specifically about retirement accounts. As far as I know there are no joint IRA or 401k accounts.
If one spouse has a good 401k plan and the other either doesn't have access to one or it is a bad plan (high fees, no match, etc) then it absolutely might make sense for a family to contribute to just the "good" one. My spouse currently stays home so we do a spousal Roth IRA for them but everything else is in my name. In the unlikely event we were to divorce it would be split anyway.
Yup
Yes. This is a no brainer. Yes