Re: Should couples invest in Bitcoin together or keep separate portfolios?

why not just both? usually married couples have shared money that they can use for the family and then they also have money of their own in which they can use to anything they want

i believe that that is the most ideal scenario here just because you are married does not mean you can't invest on your own as well we still need individuality and privacy even when married so if you could afford to do so then just have both the joint and separate portfolio but know that everything is for the better of the family

A joint bank account in Bitcoin would be called a multisig wallet.

Just make two keys, give one to each spouse and set up a 2-of-2 configuration where both keys are required to sign off any transaction before it can be spent, and suddenly you don't have these problems anymore.

Someone came up with a 2/3 multi signature wallet, the problem became who will be the 3rd party. I think the 2/2 is the best solution. The times where problem could arise willbe;
1. Death of one partner
2. Separation of couples
Death of one a partner carries the much worry.

Quote from: philipma1957 on March 17, 2025, 04:24:59 AM

Quote from: Issa56 on March 16, 2025, 07:39:35 PM

Quote from: MarryWithBTC on March 15, 2025, 02:55:32 PM

In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios? A shared Bitcoin wallet helps builds transparency and can strengthen financial trust in a relationship. However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.

It’s a choice, and the level of trust which you are having with your partner will determine if you and your partner can share the same bitcoin wallet address. I have been in crypto for some time, but my partner doesn’t have much knowledge about bitcoin, so she doesn’t invest in bitcoin, but we are having a joint account. If she is interested in bitcoin investment, then we can just have the same wallet. She is my partner and I trust her, I don’t think she will even make attempt to touch the money.

If me and my partner are in control of one wallet, then I will be the one monitoring the wallet, because I have more knowledge about bitcoin than she does, so I just think it’s going to be difficult for me to scammed. I don’t think there will be any issues when it comes to inheritance, because i will definitely share the seed phrase with her even if I will be the one in control of the wallet.

It stupid to have all your btc in a single spot.

things go wrong
fires
earth quakes
floods
theft.

if your partner invests and you invest separate accounts are safer. you could also have a joint account

i have a joint account with my wife and we have seperate accounts.

Near perfect
Have a joint wallet account as partners and that shouldn't stop the individual partners from owning their separate wallet addresses.

Well I am in the USA and the USA has a lot of lawsuits. Having 3 sets of money is important.

joint
wife alone
husband alone.

gives protections from lawsuits to some degree.

I drive
I own the car.
God forbid I hit a person and get sued bigly.

My wife and I will not get wiped out.

Damaged financially yes but wiped out no.

Thank you very much philipma1957, you have been coming with a realistic solution since you joined this conversation. It seems you are talking from the stance of experience and practice.

There is a concern that a user named Issa56 raised above. He said if couples own separate wallets and yet keep the seed phrases in the same house, it is still not safe. In the case of natural disaster, both could be lost. What do you advice on this.