Episode 6 of 6
The Joint Investment Policy
Henry and Elena write their first joint investment policy statement: target allocation, rebalancing rules, individual spending limits that do not require discussion, and a monthly 15-minute money check-in. The model shows the long-term impact of consistent coordination.
Key Insight
Their joint IPS — 70/30 equity/bond, quarterly rebalancing, $500 individual spending threshold, monthly check-in — is projected to add $127k in retirement wealth over 15 years vs. their uncoordinated approach. The biggest gain is not financial: it is the elimination of money conflict as the primary source of marital stress.
Model This Scenario