I'll keep it short. I'm 25 and my fiance is 24. We currently own our own home together, and use a joint account that we always keep $2,000 in for emergencies and bills. But with us getting married soon she's mentioned joining our finances (to be clear, there is NO way this girl is out for my money, I've been with some crazies, she isn't one). But for her I think it means a trust and security thing. The issue arises when you consider she has about $1,500 total in her bank account, but because I've always been a neurotic saver, I have about $70,000. To get a prenup we'd have to pay significant lawyer fees (and while I have alot in investments, I try not to touch those, and really in my day to day accounts, I only have a few thousand kicking around). I was thinking we simply jack up our joint account consistently. Like constantly put in more, so that eventually the majority of most of our money ends up in there. We might each only have a few thousand in our personal accounts (that would be ours to spend), but the joint account would be shared by us and might have $20,000 in it eventually. To be clear, with the joint account, we ALWAYS and strictly contribute identical amounts to it for fairness's sake. I love her to bits, and am going into this not expecting failure, but I'm a caution oriented person, and just making my net worth shared strikes me as a frankly stupid move. I don't think we'll ever get divorced, but hell, who does? We all know the divorce rates. Thoughts? Other possibilities? Suggestions? Or how even to make the big joint account sound more appealing and less "I'm-protecting-my-money-for-when-we-get-divorced"-ish?
Thanks all!
Submitted October 03, 2018 at 10:37AM by SirFriendlyFellow https://ift.tt/2DUyOjw
