re: IRA early withdraw to fund another. (Update)

"John, this is my standard advice to all of my clients re: retirement accounts for you and your spouse, and it has nothing to do with your individual marriage. I advise all my clients to keep separate retirement accounts from their spouse while they are in the workforce. It is easy to combine them down the road when you both are retired, but it is incredibly difficult to split them up if they are combined and, God forbid, something goes wrong in the marriage."

Boom. Problem solved.