Spouse HSA transfer alternative Calling all Redditors more knowledgable than me. Here’s the scenario: spouse has accumulated 8K in HSA money over several years spouse left job this past year we got pregnant 🥳 find out that my individual out-of-pocket max for insurance is 6K if you don’t know, birth in the US is expensive and Ive been quoted a price range of $11K – $21K if …

HSA use for a spouse I am currently the only one working and I have Insurance for both of us and HSA account. After I retire at 63/64 I will use HSA to pay for COBRA premiums until I am 65 and qualify for a Medicare. What about my wife, who will need to get her own insurance until she is 65 – can she use HSA for premiums even thouh HSA was through my work? submi…

How to educate my financially-averse spouse tldr; My spouse, who has always been a huge spender, has asked me to help her get her finances in order and to educate her financially. What can I tell her? Where do I start? Which topics should I cover and in which order? Any books she should read? Longer story: using a throwaway account since I am talking about my spouse. My spouse and I both …

HSA while spouse has traditional HCP Previous post got me thinking about my situation. I am married with two kids. I have a HDHP for my kids and me, and therefore contribute max to my family HSA plan. My wife has a traditional healthcare plan so she does not have a HSA. I was under the impression that this was fine as long as I do not use HSA funds to cover any of her medical expen…

Spouse wants to transfer 401k into startup company My spouse met some social media startup CEO online and wants to invest their whole 401k into this company via private self directed IRA trust. Some of their friends they trust already invested some of their money with it apparently. I already tried to explain to them why this is a terrible idea, diversity of investments, performance history, pub…

Spouse is Not Fun to Travel With We are on our second family international trip and I am starting to realize that my spouse is a real drag when it comes to travelling. I want to explore, I want to go all over and experience another culture. Two hours of a tour and she’s not feeling well, winds up sleeping at the hotel for hours while I go ahead and just go on excursions by myse…

If I die, and my spouse inherit2s my 401K and my IRA. Can my spouse use the money without penalty. If I die, and my spouse inherit2s my 401K and my IRA. Can my spouse use the money without penalty. Or, do the inherited accounts still behave like an IRA/401K for my spouse (including penalties for early withdrawal)? submitted by /u/vshawk2

Should I buy out my spouse or sell? I’m divorcing after 34 years of marriage. We’re 3 years away from paying off the house. The house is our largest asset followed by a pension. I’m considering a buy out. Does it make more sense to continue paying the current mortgage and to take out a home equity loan for the amount needed to pay my spouse their share of the equity? Is it better …

Different traveling styles than spouse. Just curious how others navigate a difference in travel style/preference from your spouse. As I get older, I need a lot more down time than I used to and I find it super hard to sleep well outside of my own bed. I still love to travel, I just know that I can’t go too many days in a row with a full itinerary before I need to rest, and if I push t…

Spouse’s student loans Unfortunately, my wife isn’t well versed in her loan situation and current events. She has $120K in student loans, and currently not working. I have zero student loans and making six figures. She plans to make payments when she does start working, in the interim I am not trying to make her student loan payments. Am I obliged to if were MFJ? What…