re: Why don't more wives demand their own retirment account?

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Maybe, but I don't think so. Really the only financially literate group in the country is people in accounting/finance, maybe business owners. If someone is financially literate in a group outside of that I consider them an outlier not part of the norm. What percentage of stay at home moms have a background in accounting/finance?

Again I'm all ears if you have actual data to support your claims and am willing to learn and changing my opinion if you have any evidence. Just saying your wrong, however, is pointless and lazy.

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Just going from our group of acquaintances where I live, my wife hangs out in different groups and knows quite a bit about 25-30 other stay at home moms. Almost all of them are aware of their retirement needs and take saving for retirement seriously and understand the proper ways of doing it. Of course they all have different philosophies for saving and finances. Some are focused on paying off mortgages and retiring in their 40s. Some are more focused on retiring later using their current incomes in other ways.

You have to have a lot of financial awareness to live off of 1 income and plan/prepare for that. I think a better generalization would be to say that people who don't understand finances, savings and retirement are forced to have both parents work because they aren't good with money.

I can honestly say I only know one family with a stay at home wife that is terrible with money. And it isn't exactly they are terrible with it as they have more money from parents than they can possibly spend so they just blow it constantly. I don't know any single income households around here don't have a good grasp on their entire financial situation.