Consolidate Your Assets
I think each one of us found at some point that we have the same type of account on different banks. It doesn’t even seem like a big deal, but the more accounts you have, the more prone you are to taking unnecessary cash out of your pocket every month.
One option, for example, is to just consolidate all of those 401(k) plans into an individual IRA or possibly working with only one or two custodians.
Special tip: Start alternating which spouse pays the bills. This step helps both of you understand your finances and responsibilities much better, thus each of you can deal with them in case of emergency.
