Has anybody ever seen a good list of everything that should be done finance wise after marriage? Currently we’re pretty much completely separate on all things financial and would like to merge things together. I bring home a slightly larger salary and would to ensure she has access to everything in the event something happens to me (house, bank accounts, etc.) is now the time to buy a cheap life insurance policy?
A “slightly” larger salary and no kids, you’re probably still fine without life insurance. That said, term policies are cheap, if kids or SAHP are in the future, doesn’t hurt to get a term policy now.
Regarding other things, if you’re doing joint finances, add each other to bank accounts. Update any paperwork at work to pick whoever’s health insurance is better, that’ll be cheaper than two single policies. Update any work provided insurance or final pay documents to name each other as beneficiaries. A will is never a terrible idea either, especially if you own a house.
On the relationship side, you need to be completely in sync finance wise. How frugal you want to be, how much should be put away in savings, investments, etc. If you can’t agree, then you should have a hers, mine and ours account – with both contributing a percentage to the ours account for household expenses.
As far as insurance, if your spouse currently works, there really is no requirement for life insurance. But for a 25 year old a million term should run around 250.00 or so truly affordable and doable.
If you have children, then the planning will need to kick into high gear.
Life insurance is most useful when the person who passes away would leave the other in financial trouble. For example, if you two buy a house that she couldn’t afford on her own, you may consider a term policy. If you two plan to have children, it’s good if she also gets life insurance, especially if she intends to stay at home. If she passes, you will need to pay for all the work she is providing – namely, childcare, domestic labor, etc. Two kids in daycare in a HCOL area can run upwards of 30k/year, and then you have afterschool care to consider as well.
Tomorrow isnt guaranteed. Get life insurance now for as long as you can and as much as you can because its cheap. Dont wait until you have issues because they wont cover you.
Sit down with your spouse and figure out the budget. Combine a primary account that will pay the Bill’s, figure out an allotment for each of you for discretionary money and another pot for things like groceries, fuel etc.
Max out retirement accounts now for as long as you can.
Max out the 401k and/or IRAs every year.
Update any beneficiary stuff you can, 401(k), work life insurance, etc
No comprehensive answer, but any answer should include disability insurance for both of you.
Always always always have your own account. Don’t give ALL the power away. She will respect you less for it.
My husband and I don’t have any joint accounts but we do have a living trust and all the accounts are under the living trust. I think it’s worth the money to write one up.
1. Put each other on your bank accounts. Even if you keep them yours and hers, having each other’s names doesn’t hurt, and makes controlling the money after a death trivial.
2. Put each other on your taxable investment accounts. Same thing.
3. beneficiaries on retirement accounts need to be updated. Spouse as primary and whomever as contingent.
4. get wills.
The purpose of life insurance is to make sure she can carry on if you get hit by a bus. You’re both working, so probably you don’t need any today. Or maybe a small policy. When’ she’s pregnant with the first is the time for you to get serious about life insurance for you. I’m guessing that for her… she should get insurance before she’s pregnant. Or if you buy a house and she can’t keep it if your income goes away.
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