Reply to Max out on 401k or pay off student loans?

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[quote=Anonymous][quote=Anonymous][quote]OP, why do you and your DH keep your finances so separate?  You are a team making decisions for the long run interest of the team.  Do you get more return out of the rental house than he does?  Is the debt/equity precisely equal between the house you live in (is this in oth your names or just his) and the rental investment (I interpret your description as being owned jointly despite the fact that it was largely your money going to the downlayment).  It sounds like you are both savers on the same path but in parallel rather than jointly.  There could be a better decision if you consider your family finances as a whole rather than two attributed pieces[/quote].[/quote]

I may not have been clear on the sharing of expenses. I contributed largely to the rental house as I had the cash I had been saving. Currently, I am using the small amount of extra cash from the rental income each month to help toward my loans. (So 1/3 of the monthly student loan payment I make comes from the rental income and 2/3 from my own earnings). Since I had the benefit of walking into the house he invested in 6 years prior, we just call it even. We both contribute to the mortgage on our current house. Our names are both on the mortgages for both houses.  We contribute jointly to all shared expenses. Its only that I don't contribute to his car payment, as I'm working on my own student loans, which I don't expect him to contribute toward. I know some couples put it all in the same pot, and maybe we would at some point, but at this point, we haven't made that decision.[/quote]

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