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Originally Posted by SomeRandomGuy  James, do you think that couples with separate finances are as efficient at saving for retirement or some other large goal as couples who make all financial decisions together? It seems that separate finances introduce the risk of working towards two different goals, and therefore being less likely to reach either than if working together towards a single goal.
Although, as I type that, I realize that you may not see that as a bad thing. I guess if the goal is to maintain individuality within a relationship that may extend to retirement plans and large purchases as well. |
I view retirement as a bill, not as an option. Thus, paying for retirement would be part of the "pool" of income that is used to pay bills with. Of course, it also depends on the job you have, because a lot of jobs pull retirement out without you ever seeing it anyway.
But I see nothing wrong with working towards separate goals. The only time that becomes an issue is when those goals conflict with each other. But this is something that you should probably discuss BEFORE you get married to make sure you are compatible in this regard.