Another factor is if you're a woman, who are statistically more likely to become homeless due to not having a retirement fund as they've been busy being wives and mothers! Luckily I'm okay with the love of my life but if something happened to him I dont think I'd be as well off. Not that we have much, but pooled funds are far better.
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As a couple pooled funds are definitely better. Tow heads are also better than one when it comes to making investment decisions.