I'm actually the bigger math nerd, but I realized there IS an issue that I need to work on. I have a respectable IRA (that we're not touching right now). DH's is much bigger--no surprise, I've been a SAHM for 28 years, he's always had 401ks that have been rolled over. But the rest of our assets came from his mother--directly, to the kids, and then when she died, DH inherited a lot (kids did, too). So, even though it's our money, jointly, I still don't feel comfortable treating it like it's "my" money, if that makes sense. So, I don't watch it as closely as maybe I should. This is a "me" issue.