My wife and I have a 7 year age difference between us (me 50, her 43), and had VERY different saving profiles coming into our marriage, and different retirement timelines. We keep one joint account that is for the most part our cash account/equivalent (mostly GNMA Fund). My 401k is 68/32 split. She has two accounts: a rollover IRA from an old job, and her current 401k. Her current 401k is legal theft-- a 0.99% management fee from the company that manages the 401k, on top of the expense ratios for the various funds offered, MANY of which are over 1%. The only low-cost option available to her in that 401k is the Vanguard S&P 500 fund (0.05%), for which she has to pay 1.04% on account of the 0.99% management fee (such bullshit). So I have 100% of her current 401k money going there. I diversify her overall by using her IRA, where she's got some TIPs, REITs, and an additional equity index fund. Overall, she's 80/20.