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I'm puzzled why most married couples wouldn't want to have a joint retirement account.

401-k's are offered or not by each employer for its employees. "Outsiders" may not contribute. Hence, you cannot put your money in her account - it's a benefit they offer to her as an employee.

The reason married couples do not have joint IRA's is because they don't exist. IRA stands for Individual Retirement Account. They cannot, by definition, be joint. She can name you as her beneficiary of her IRA (and you can do the same for her) but you cannot comingle your money in a single account.

Check our Fuskie's links and come back with any more questions you come up with.

hope his helps
3MM
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