Orbit · Explore

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.

56 sparks · 6 comments

Comments

Sleepy Panda · 6 likes

Coupon with opinions is devastatingly relatable.

Brave Lantern · 0 likes

2% is enough for peace but not enough for sabotage

Sofía Hernández · 1 likes

Exactly. We wanted room for personality, not room for a saga.

Rizky Pratama · 5 likes

Every couple needs a weird-thing bucket.

Hugo Martin · 0 likes

My husband and I call ours the no-resentment fund.

Isha Menon · 4 likes

This is actually a smart design. Freedom at the margin, structure at the core.