re: How to Get Rich - netflix

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Assuming that you are right about the majority opinion that's still an objectively idiotic oversimplification. You could be in minority opinion when it comes to anything from politics to how you wipe your arse without there being a clear right or wrong.

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I’m not talking minority opinion. Joint accounts have always been the standard. Very few people have deviated from that until recently

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Lastly, from the financial planning side, I can tell you that I’ve never seen a couple with separate accounts that has saved appropriately for each of their individual spending needs. Obviously that’s only anecdotal, but it’s something.

I’d like to understand what you’re saying here. Give a plain English example.

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My experience has been that those who spend money separately aren’t usually saving enough combined to keep up their combined standard of living in retirement.

Also, the actual withdrawal strategies in retirement can be a bit of a bitch, but not completely unworkable.

For example, if you’re used to a separate account, how are you going to find that account when you’re retired? Are you going to withdraw out of your own accounts? What about taxable be tax deferred accounts? The joint accounts, if they exist?

I really don’t get caught up in the join vs individual accounts if you’re treating your investments like one big pool of funds while working. However, people have a tendency to leave money on the table with either Uncle Sam or just plain bad investments if/when they retire and try to treat accounts separately.

That being said, my experience may be selection bias given my job.

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Liking it is fine, but I don't believe it's "easier". Simplicity is always easier, multiple accounts with multiple statements is unnecessary complication if your finances are truly joint

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I manage her retirement so I organized our finances - she does have a separate checking though. We could be tighter and more sound but what we have is working