Can Married Couples Combine Retirement Accounts?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.6 • 3.6K Ratings

🗓️ 11 May 2026

⏱️ 4 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:07.8	Connect with an investing pro near you at ramsysolutions.com slash smartvester.
0:13.7	Jesse's in Ann Arbor, Michigan.
0:15.6	Hi, Jesse.
0:16.2	What's up?
0:17.2	Hey, how are you?
0:18.1	Praise God.
0:19.2	Yes, sir.
0:19.8	How can we help?
0:20.9	Well, I got a question for you. So I'm 58. My wife's 56. Retirements coming.
0:26.7	I'm probably around my age 62. She won't quite be there yet.
0:30.8	But the question is, is when we go both to retire from the companies,
0:36.4	and I want to transfer the 401k that I have
0:40.2	and then what she has into an IRA, roll it over, I don't understand why can't we combine
0:47.0	IRAs and 401K's retirement plans do not have marital component to them.
0:56.3	They're all for individuals only.
0:58.2	I don't know why you would need to combine them because if you both have access to the money,
1:03.2	because, you know, you're working together.
1:05.1	Well, I'm just.
1:06.1	Yeah, but you can't put both names on.
1:07.7	When I'm thinking is when we retire to combine them into an IRA to get more of a compounding effect.
1:13.1	Yeah.
	...

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