AIBU to have brought this up with DH?

[Maybeforthelasttime]

DH and I did an audit on our finances last week. We are lazy with money and most of it hangs around in our current accounts doing nothing, but we do have £8000 in government bonds.

DH suggested putting all of our future savings into the bonds, main reason being that we tend to forget it exists there and won't spend it. I told him I didn't want to do that, as the bonds are in his name and can't be made joint.

He was quite miffed that I raised concerns about that, and I think he was a little upset that I suggested that:

a) we could divorce at some point.
b) I think he'd be an asshole and leave with all of our savings.

I felt bad bringing it up and a little awkward. DH earns double my salary so I feel like a CF when I even say it's our money, especially since we have no DC. We have a great relationship and I have no plans to divorce, and now I'm worried I've somehow made him feel less loved. He dropped the bonds idea, but looked hurt.

AIBU to have brought it up? Or perhaps WWYD about this subject?

I think all future savings should be in joint names. It's nothing to do with not trusting him, it just makes sense.

I think they need to be in joint names. It’s only fair. No one knows what the future holds and whilst there’s no plans to separate or divorce now, you never know.

well you can say it would be even better to have two accounts. Open one yourself, tell him you've done so and transferred some money into it and from now on, all can be transferred into it. If he makes a face, ask him why he is doing and is he worried you might want to divorce!

Good lord no. Of course they should be in joint names.

Of course they should be in joint names and if he isn't an arsehole who'd run off with the savings, it should make no difference to him either way if your name's on the bonds.

If (heaven forbid) one of you dies, it makes things SO much easier if everything is joint. Nightmare if not, so tell him that its better for both of you.

Match the bonds in his name to bonds in your name. Then every month add ££ to each equally.

Can you couch it in more practical health-related terms. Eg. If something happens to him you need to be able to access the funds which would be difficult if your name isn't on them.

I think he is being disingenuous here. The onus should be on why he doesn't he want them in joint names. Does he think it's more his money than yours?

He doesn't mind it being in joint names at all. Government premium bonds can't be taken out in joint names, that's the only reason. If bonds could be joint they would. Splitting them into two is an option, but I'm pretty sure win chance is slightly less in that case

"Splitting them into two is an option, but I'm pretty sure win chance is slightly less in that case"

Do You mean premium bonds? The odds of each bond winning are exactly the same (I'm not sure if each bonds is £1 but let's say it is) then £1 would be 1 chance out of all the bonds held. £100 = 100 chances, £1000 = £1000 chances. Every chances equal. People with more bonds tend yo win more simply because they have more bonds e.g. if you bought 1000 scratch cards you are more likely to win a prize of some kind then if you bought one.

So yes _ buy an equal amount of bonds in your name. If your husband finds you both equal he can put his money where his mouth is and also won't mind whose name they are in!