Reply to Do you rein in the spender in your family?

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[quote=Anonymous]OP, we are very similar to your stats but my income is more than yours so that gap is smaller.  DH is a much bigger spender, not on little things but big things.  I fund all my investments (401k, $19k per kid per year into 529 plans, brokerage account) directly from my paycheck and the rest goes to our joint checking accounting for daily expenses.  DH does something similar where he deposits much of his income to the joint checking account, but not all of it.  We also file taxes seperately because one year his tax obligation was greatly than my annual income due to his underwittholdings.  We won't be able to afford our current lifestyle in retirement because he's undersaved.  Who knows if we'll even be married in retirement, though.  Ultimately, the only way to "rein him in" was to adopt a 3 pot system (his/hers/ours) and we basically live paycheck to paycheck from our joint account.  When we first married, I thought the problem would go away as we made more money, but that's not at all the case.  He will always spend everything that he makes, even if he made $5m a year, he'd spend it. [/quote]

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