more still feel they need to put in the same amount as they used to. very few couples these days are earning 50/50 equal incomes. split it up, maybe 60/40 or 70/30 and put that into an account and have fun money sitting there. so you guys can both do something. this in some ways comes down to control, don t you think? it does. some people can t give up control. some people can t share control. some people don t want any control. how do you navigate those personality differences? it s interesting that now more women are actually taking ownership of their finances. learning more about investing, researching. we make more money. that s true. the problem is over the lifetime they re still living 5 to 10 years longer but making less. it s good idea to save longer or get more aggressive closer time to retirement. you say and this is interesting, double your risk. you double your risk if you invest separately. now, why would that be? a lot of couples don t