Are you withholding information regarding the risk related pressures you face in handling your retirement accounts in order to protect your feelings? Or hers? I'm surprised you don't give her a mini-lesson in what it takes to produce passive income that is hardly passive at all. My wife is terrible with math, I'm a math guy. She knows nothing of investing and I've done it professionally for twenty years and I've always done well at it.
But I've taught her enough to understand that I am the only absolute in the mix---I always do my best to preserve and grow fresh opportunities. She trusts me and has long accepted that there are no guarantees.
I don't understand why a lot of men see fit to protect their wives as though they have the mentality of a child and are therefore fragile. Life is better when we are upfront and open, as a rule. And I don't want to be a martyr, carrying the whole load while locking her out of the process altogether.
My opinion, for what it may or may not be worth.
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