Investing is arguably the most complicated aspect of managing money. Add to that the challenge of investing as husband and wife and you have a recipe for all kinds of trouble.

Often that trouble manifests itself as one spouse handling all of the investment decisions, leaving the other out of the loop and ill-prepared to invest on their own should that need arise. In other cases, both spouses just do their own thing with their individual investment accounts, which may not be good for their marriage or their investment results.

Two main factors divide couples in this area.

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