If you die tomorrow, does your significant other have good grasp on financials?

I'm similar. My wife moved her 401k over to the same brokerage firm as me a few years ago after I looked at her accounts and gave her a ration of shite because she was earning an average of 2.3% on her accounts.

She turned it over to me to choose investments. She doesnt bother looking at mine. Not interested. I keep her up to date with my 401k, but she has no clue how much is in my play account...

Absolutely. She opens her purse, pulls out a plastic rectangle object with her name on it, taps it on a keypad (or slides it), then places it back in her wallet. Meanwhile words appear which state “approved” on the keypad’s screen. She smiles and says “thank you”.

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Absolutely. She opens her purse, pulls out a plastic rectangle object with her name on it, taps it on a keypad (or slides it), then places it back in her wallet. Meanwhile words appear which state “approved” on the keypad’s screen. She smiles and says “thank you”.

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100% this.

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plastic rectangle object with her name on it

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Should be out-lawed!

Of all the risks (market, interest rate, inflation, currency, etc), that little rectangle object can carry a big punch!

My wife knows where all my passwords are stored/recorded. She is more than capable of accessing but doesn't know the minutia of investing etc. I've set ours up where if something happens, she does not necessarily have to monitor (she might miss out on a few percentages of returns but). I manage all 3 of her investment accounts 100%.

My spouse runs household finances I manage investments, tax optimization and long-term planning. She knows what we have, where, and that we are nearly 100% index funds. That's about the extent of her interest in the matter.

I regularly bounce my optimization and withdrawal strategy ideas off her but she mostly just nods along. Yesterday I suggested we need to start spending down assets starting w $35k/yr. She said "what the hell are we gonna spend all that on?" then a moment later "the only thing I really want is a kitchen and bathroom remodel"

I often drop little reminders of things that need to be done when I pass. (Contact VA, reallocate portfolio to less equity exposure, rollover from TSP, confirm brokerage has stepped up 50% of taxable portfolio, etc ) I doubt she will remember any of it in a crisis. I need to follow up with writing it all down. We just set up a trust and once assets are assigned that will at least provide some structure to the process.

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) I doubt she will remember any of it in a crisis. I need to follow up with writing it all down. We just set up a trust and once assets are assigned that will at least provide some structure to the process.

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I've been thinking about this lately as I handle everything. I may create a binder with everything.

I need to provide detail instructions for my wide. It’s on my to do list.

She’s good a living below her means. However, she doesn’t know anything about investments and other personal finance matters.

She could tell you all about reality TV though so there’s that.

Damn. I don’t have the balls to do that.

I’d feel safer writing on a piece of paper and putting in a safe deposit box.

I have every account name, number, balance, passwords, and phone numbers to those institutions listed on a piece of paper. I also have listed what to do to my social security and retirement account. I have payable upon death on all accounts and beneficiaries listed also. Husband has no interest in the money we have and doesn’t even use a debit cash, pays cash for everything. I’ve told him and our daughter where the sheet of paper is. My dad did the same. He had all this stuff for me to do listed.