In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios? A shared Bitcoin wallet helps builds transparency and can strengthen financial trust in a relationship. However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.
Should be separate for a lot of reasons.
opsec
is big.
also should be a pair of hardware wallets one for wife one for husband
if usa based two PayPal accounts one for wife one for husband
if usa based two coinbase accounts one for wife one for husband
if usa based two kraken accounts one for wife one for husband
so a total of 8 places with coins.
and ratios should be
85% in the wallets 5% in PayPal kraken and coinbase.
that would be fairly safe way to do things.
obviously do not have too much in btc and no cash in case you need cash for real bills.Ie if you have 85,000 in the wallets and 15,000 in the exchanges
you better have decent cash somewhere just in case.