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@leonsarahh I have separate finances with my spouse too. When I do my NW, I divide community assets by 2. Stuff like houses, profits from selling our house, joint accounts. Then, I have our joint NW and my personal one. Just an idea, or these could be 100% solo purchases depending on how long...

@leonsarahh Woot! Happy for you! Good luck on E-7. I do agree with some comments about putting more into Roth accounts for the next 2 years at least. Some tax free growth for 36-60+ is a return in and of itself. Are you going to work after retirement, or are your rentals cash flowing enough...