Portfolio Check · by Sofía Hernández · 2026-09-07
saver marries spender, film at 11: household allocation edition
My wife is generous and spontaneous. I am a coupon with opinions. We finally sat down to merge our financial lives in a way that doesn't make either of us feel managed.
Combined snapshot:
retirement accounts 284k
brokerage 36k
cash 31k
car loan small and boring
Agreed investing split going forward:
65% stock index funds
15% international extra tilt inside that
15% bonds
3% REITs
2% whatever weird thing one of us wants this year
The 2% weird thing bucket may save our marriage before it even gets tested.
Combined snapshot:
retirement accounts 284k
brokerage 36k
cash 31k
car loan small and boring
Agreed investing split going forward:
65% stock index funds
15% international extra tilt inside that
15% bonds
3% REITs
2% whatever weird thing one of us wants this year
The 2% weird thing bucket may save our marriage before it even gets tested.
56 sparks · 6 comments