Hello all,
I'm well on my way to FIRE (aiming for early-mid 30s) and I'm trying to shore up my plans. My wife also leads a frugal lifestyle but wants to go law school and therefore has a longer horizion (maybe 45). Thus, we keep separate accounts and split all bills evenly as I aggressively save for retirement and she saves for school. I have a good amount in 401ks and I've seen that usually people utilize backdoor roth conversions to access that money, but I'm wondering if this still works/makes sense if one spouse is still working? And if not, what are some other options? File separately?
Thanks!