Do You Have a Joint Account?

If you'll have individual accounts, your salary account will always be individual. But what i would say is, if you're married, work with your spouse to create a joint account. I always insure that the joint account is where most of the money sits,. not the primary accounts where we are in. It also pays to be sub optimus. Do not worry about this being the most optimied, the best form of investment and so on. Because optimization is a problem when you're dying, right? because at the time of death, you need the money accessible at that time.