I feel like the joint account should only be done for your kid. You save for the kid and he/she is the only one that can access the account at a particular age, if not naa, we were both saving fine before meeting each other and we’re both humans so anything can go wrong as you said
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Yea, for kids and other people who might need help, you know. Joint account is created to make things easier and when both partners have a goal to achieve, it becomes less difficult for them when they need finance to solve the issue.