Portfolio Check · by Anna Gruber · 2026-09-23
we merged accounts this weekend and it felt weirder than getting married
Been married 18 months, finally stopped the yours/mine/every-third-Thursday nonsense. We made a simple household allocation sheet because our investing styles were not remotely the same.
Combined investments after the merge:
401k/403b total 312k mostly index funds
his brokerage 44k, very tech heavy
my Roth 39k, target date
cash 26k
New target across the household:
US stocks 55%
intl 20%
bonds 15%
REITs 5%
crypto 3%
gold 2%
The spreadsheet part was easy. The emotional part was basically couples therapy with percentages.
Combined investments after the merge:
401k/403b total 312k mostly index funds
his brokerage 44k, very tech heavy
my Roth 39k, target date
cash 26k
New target across the household:
US stocks 55%
intl 20%
bonds 15%
REITs 5%
crypto 3%
gold 2%
The spreadsheet part was easy. The emotional part was basically couples therapy with percentages.
12 sparks · 7 comments