what to do with $100K that's currently in savings account

[Nutria]

Sorry, I shouldn't have mentioned the word "divorce" in my initial post.

Multiple times.

Everyone I know is getting a divorce or is already divorced, so I don't understand why some of you think I'm having a marriage issues just because I want to plan for the unforeseen future.

Repetitively mentioning divorce and "preparing for the unforeseen" tends to give the strong impression that you'll bail when the going gets tough.

It's just like couples getting a prenup before they get married, that doesn't mean they are not happy or they're planning to get a divorce. Before I got married, I read lots of articles recommending (at least for people who married late in life) to keep their pre-marital assets separate from post-marital asset. He also keeps his pre-marital assets separate. We both made the decision to keep those separate.

Very sound advice. No one is challenging you on that.

Maybe that's not much to some people, but I work very hard to save it

I'd sure love $100K sitting in the bank! (IOW, it's a lot to just about everyone.)

It's a sacrifice I'm willing to make to achieve my goal, so I don't want to take any chance of having to split that IF there is a divorce. Is that so wrong? :-(

Nope... I've kept my wife's pre-marriage assets separate all through our time together.

Note, though, that separate accounts just makes things easier during a divorce. In my state, at least, if you and he had created detailed net worth documents at marriage, then you could have co-mingled funds and during the divorce lawyers would have used those documents as starting points to split everything up.

[corn18]

This:

BTW, my marriage is great and we're not getting a divorce. We've been married for 2 years and we are very happy together.

And this:

so I don't want to take any chance of having to split that IF there is a divorce. Is that so wrong? :-(

Are diametrically opposed. One statement does not beget the other. Not sure it's so wrong, but it's certainly not on any checklist I have seen for a happy marriage.

[richard johnson]

If you are near the retirement, you might need to first do a cash flow analysis and see how much income you will need once you stop working. Then look at the probabilities of your portfolio achieving that goal.

[Singuy]

This:



And this:



Are diametrically opposed. One statement does not beget the other. Not sure it's so wrong, but it's certainly not on any checklist I have seen for a happy marriage.

Think like a Vulcan and you'll see why the op is mentioning divorce but is happy with her marriage.

She's looking at the situation objectively with no emotions attached. If you have her put her situation into a computer for a risk analysis, it will most likely spit out the same ideas she is thinking.

[corn18]

Think like a Vulcan and you'll see why the op is mentioning divorce but is happy with her marriage.

She's looking at the situation objectively with no emotions attached. If you have her put her situation into a computer for a risk analysis, it will most likely spit out the same ideas she is thinking.

You are right. Hadn't thought of it that way.

[naaxt420]

Invest it into bitcoins

[terry1156]

Invest it into bitcoins

The worst financial advice ever. Why you take the answer to questions in forums with a huge grain of salt.