@Tage - both mine and Julie’s Roths are in Vanguard’s Target Retirement 2045 fund. Those funds alone aren’t aggressive enough for our risk/time-horizon so we’ve supplemented with additional equity holdings in the SEP and Solo 401k.

@Keith - Things get their own savings account if the interest earned will be worth the extra hassle of having that account (to be honest, the hassle is becoming less and less as online savings accounts become easier and easier to set up). With something that’s going to be several thousand a year, I would make a separate account.

If each of you have your own checking but used a combined credit card, then yes, I guess you would have to make monthly payments from each of those checking accounts to the CC. Julie and I don’t have separate checking accounts where most purchases go through — we just keep our true fun money separate — the money that we can spend on whatever we want (me: golf, julie: nothing).

Interesting that you use a credit card for all purchases instead of the debit card. We always use a debit card. I can see how using a credit card could simplify things from a management perspective. Right now I have my own checking account for “my money”. If it were budgeted and used with a credit card that should eliminate the need for the checking account. A QUESTION ABOUT THAT… If my wife and I each had our own fun money back accounts and used a single credit card to “access” those funds. That would require regular (monthly) transfer from those accounts into the checking account for payment on the credit card. Right? Is that how you do it?