Bitcoin Forum

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.

Me and my husband has separate Bitcoin holdings since we consider our Bitcoin a separate personal investment so we can monitor on our own.

We share on most of our finances including stock investments, insurance and life savings while we choose leaving Bitcoin investments since it’s just for fun with us.

We have different source of income when it comes to our Bitcoin holdings while our job salary goes to our shared finances.

Ofc it is healthier for the couple that each one invest by their own.

The times when women didn't work are in the past. Nowadays, women are totally able to invest and work on their own and be independent.

There is no need to invest together, like in the old days

The couples knows what is best for themselves, if they have an itch free joint account with the commercial banks, they can also decide to do same in crypto, this is all about trust and the same way money in fiat is being involved, same also do we have the value in bitcoin as a digital currency or an investment asset as it may be applicable to them.

They can decide for themselves, provided that the two of them have the bitcoin experience, knows about the network and can take charge independently or collectively manage their wallet together without having any problem, but if they have issues with trust and finances, then joint account in bitcoin should not be advised because they never passed the test of fiat, no need of taking it to the bitcoin network to avoid more complications.

The closest thing we have to joint account is multi signature wallet.

So you can use 2/3 multi signature wallet to share the funds as couple but you need someone to hold the third key in case of situations like divorce that can be settled in a mutual way.

But Bitcoin concentrate on the individuals, money is everyone's freedom so having each one's portfolio is for the better.

If you share similar financial goals and have a high level of trust.If you share similar financial goals and have a high level of trust, a joint portfolio can be a beneficial choice. However, if you each have different strategies and risk perspectives, it’s better to invest separately. A mixed approach is also an option—keeping part of the funds together and part in individual portfolios

Separate BTC address would be better. This will give both security and I think their knowledge about crypto is not far from what the other knew. I'm sure before they sleep, they will be talking about it and maybe plan which one should they be giving out to their children if they die or divorced.

If their sons and daughters are teens already, I think they may even teach their kids to learn Bitcoin as well. Family do things together.

I don't like the idea of sharing entire finance concerns with my partner, and yet we can save together for a specific purpose on agreed upon sums, possibly have a Bitcoin portfolio where we're saving for the kids together, more like an insurance fund, while still having separate individual portfolios.

On a personal note, it's important that investments are personal to each spouse as it would help you strive for more success on your own and not being overly dependent on a partners efforts for the growth of the joint Treasury.

Having separate holdings gives each partner the liberty to develop and handle the portfolio with as much independence as possible and reduces conflicts from presumed mismanagement of funds.

With the way divorce rate increases on a daily basis and one of the couples may have to split their networth in half so that the other party won't be left hanging, is a cause for concern for me.
Couples can do everything together but when it comes to finances it is always advised that the couple retain their individual personal accounts and open one or two for the family for bills and other expenses that may be sudden.

As it regards Bitcoin in this case, I think the advise still holds and couples should under no circumstances hold a joint crypto currency account or multi signature wallet, mostly as there isn't a certainty the marriage would last and even if it does, what's the fun in always having to seek permission from your better half just to login or trade or make some secret purchases that they may not find as a worthy expense.

You must be living in a decent country. If you do not mind, can I know the country you live?
Good to know how things work in different countries and even a woman has shared above how they do it as couples. I can agree with you that the old way of man's total sovereignty is not the best. Separate investment portfolio does not actually mean distrust.

The choice is left for the married couples. While it could help strengthen their relationship especially for newlywed couples, but it could also be an instant way for their break up or separation.

I am pointing out the tendency for misuse of funds or bitcoin since there are actually instances that both couple would have different investment decisions, the other one wants to buy more and hold, while the partner is eager to sell because he is already hunger for profits. This is most likely to happen especially when there is uneven contributions, when one is having more income to contribute while the spouse only makes a lower income.

In terms of Bitcoin investment, I would say that a couple can keep their Bitcoin investments in different accounts if they want. Because if a couple keeps their Bitcoins in different accounts, then those Bitcoins will be less risky because if that couple keeps their Bitcoins in one account and for some reason faces problems with that account, then they can lose their money or even lose it. And if their investments are kept in two different accounts, then if there is a problem with one, then the other can be safe. I have not created more than one Bitcoin account yet because my wife is not very experienced with Bitcoin yet, but of course we can have a joint account in the banking system.

Why you sounds like joint bank account will never get hacked or one of you will never fall to scam?

Be it banks, gold, stock, Bitcoin, business, if one person make mistake or fall to scam, the effect would be same.

If the couple ends up divorcing, all assets will be divided, not only Bitcoin.

Now to answer your question, if the husband/wife don't care with privacy i.e. he/she bought Bitcoin using centralized exchange, I don't see any reason to separate the portfolios because if you divorce, you have to divide it since the CEX know you own Bitcoin.

But, if the husband/wife care with privacy, he/she can choose to keep it secret, it's the beautifulness in Bitcoin which you can't find in other assets.

If you talk about bad first, of course you do not marry your partner or if you think the negative first for what you plan to manage Bitcoin investment for both, it's better to live alone, it's safer.

My understanding, if you have a desire to live together with your partner, of course your money is the money of your wife's money and vice versa, if you talk about Bitcoin Investment in My choice is: Invest in a different portfolio, you can make a 2x profit with your partner, with the condition that there is no negative element.

Although the portfolio is different, but the confidentiality of course you both also have to know it, key, password and so on, the situation will change if it is like What you mentioned (negative) happened, that is another story, but if you are a partner love, not a problem for you and your partner, two portfolios are better than one.

I will go for the "separate" portfolio's of course so that if things will happen unexpectedly both sides are safe. There is no problem about being together but we also need to consider things we can not control and unevitable things that will come to both though if really can go along and happy together I think there is no problem having separate funds. I might be an overthinker but who knows right? I am in a place where things are not great and I personally witnessed things that doesn't seems to happen but it did.

As an alternative to 2/3 multi signature wallet, I have heard of joint custodial wallets that is being offered by exchanges. I don't know which exchanges offer this. I know using exchanges for this purpose is not a good idea but the 2/3 multi signature wallet idea needs a trusted person which will be fine if the couples have children.

You and your spouse need not to have only just one wallet. You can have 2 or 3 funded wallets. I mean about scam or something. You will needed to learn about wallet security, privacy and safety. And also learn about how to avoid scam. But what if both the spouse divorce is a valid question.

But is having wallet with spouse necessary? I do not think I can have any financial dealing with my spouse. She should have her own and I will have my own. That is better. Inheritance can not be a problem.

Not exchanges but some wallets provide this by storing one signature with them which is primarily for the recovery purpose. But I don't trust anyone with my money so better choosing the options that doesn't involvi trusting others is good. Unfortunately there's no joint custody of funds can be availed through crypto like traditional banking. Multi signature wallet is better than using those paid wallet services but as I said instead of sharing having separate is better.

But you can track watch and track each other's wallet without need to access the funds, simply by importing xpub that gives watch only access.

This thing should be discussed before you getting married.

There's a couple where the husband completely manage the money, there's a couple where the wife completely manage the money and there's a couple where they both manage the money.

The risk of let your partner to completely manage the money is he/she can abandon you, but the benefit is less headache and vice versa. If both manage the money, secure, but not effective.

Each person know what best for him/her.

The paid wallet custody idea will only come in when there is extreme doubt or distrust among couples. At this time, it can be good to assume that the marriage is already failing.

This will address the issue or fear of mismanagement or one party being scammed. Thanks

To avoid financial misunderstanding, couples should have a separate portfolio for their Bitcoin investment. So that nobody will accuse the other why selling when it is not the right time to do that.

Bitcoin investment is not like traditional banking. You will deposit money, and the amount deposited will remain the same. There will be gains or losses in it. Someone can decide to employ a DCA strategy, which alone can bring about confusion and misunderstanding among couples on how their Investment in Bitcoin has been going on together in the past months.

The question of Who has invested the most, or who hasn't for some time will arise. Making one of the couples think they have lion's share more than the other. Which may not be easily accepted by the other couple, causing a deep commotion that could lead to divorce.

Couples should speak about and if they can't find a resolution they should talk to a financial advisor. I would invest in bitcoin together with my partner but I will be the one to handle everything. Our relationship is already built on trust and transparency and sharing a bitcoin wallet together or not doesn't affirm it. We hope the other bad things such sudden passing or divorce doesn't happen. However, if my partner feels for whatever reason that they want their separate bitcoin wallet, then we'd split it.

It won't hurt to order for separate hardware wallets, one for you and your partner, so whatever you are able to safe up won't be revealed to anyone of you guys, you have your private keys and so is your partner, this is much better than sharing the same wallet.

There will be a problem in the future if two partners are buying and storing BTC in one wallet, people forget things easily, one can say he has send up to 0.6 BTC while it is not up to that amount while the second might also do the same, misunderstanding can take place.

DCA separately, it is best for both sides.

One thing I have always wanted to abolish is the traditional method of couples having joint account, it is sometimes not so good as both will be actually monitoring each others spending and somewhat usually brings problems except for few understand couples so as such I actually think everyone can have they own personal bitcoin wallet but that doesn’t rule out a joint account.

Joint bitcoin savings can come in if both parties actually agree that it is an investment for their children and as such this isn’t a savings any of them can spend from except on agree terms. This kind of wallets are easily multi sig wallet of 2-of-3 co-signers where the last sig is actually stored in a bank vault with a pledge that both of them must be present to take the private key in case they need it or in case of death to one, the child who they have together will be also present with the person alive to retrieve the key.

But even if they have the joint wallet each couple can have their own separate wallet for personal investment

I dont think there is a one-size-fits-all approach here.  What works for one couple might not work for another.  Like with most things in a relationship, talking it through openly is most important.

the way I see it finances should be a team effort in a partnership.  From budgets to long-term savings,money stuff impacts both people so it makes sense to tackle it together.  But every relationship is different so couples have to figure out what financial dynamic aligns with their values.

Bitcoin investment is best on an individual level and not in a joint investment model it doesn't work that way, it can work with traditional stock investment but Bitcoin has different appeals to different people, so for that you may have the motivation to invest your whole income on Bitcoin, whereas your spouse may want to only risk like 30% on Bitcoin investment so in such a situation it hard to draw the other party along so better we leave Bitcoin out of any joint investment.

It should or should not depend on how both of them see the future of Bitcoin. Besides, whatever the investment made by either husband or wife is an investment of the family. Therefore, it is not necessary for us to focus solely on Bitcoin. It could be best to invest in other investment platforms as well for security reason.

As long as each of them shows transparency, it will never be a problem whether the time comes for them to divorce. It depends on how they talk and trust each other. In fact, they are not worried about divorce, but it is for someone who spends money secretly.

If couples should agree to save together or invest in one wallet, it means they are not going to have the issues of how many BTC each party sent. Sharing wallet means the BTC belongs to both, so such problems as how much each couple has sent to the wallet might not arise at all.

It's possible to do that, and if the couple has one mind, they can decide to invest in Bitcoin together just as they both need to be present before you can make a withdrawal from a joint account. They can also use a multisig wallet for that, which they can both see the transaction inflow from, but before anyone can spend funds from that wallet, the permission of the other person will be required to authorise the transaction so that the thing you call a security concern can be solved with a multisig wallet.

I think it should boils down to trust here, if they agree to save in one wallet then good for them. As least there is no "financial infidelity",

https://www.cnbc.com/amp/2023/05/20/bitcoin-in-divorce-how-spouses-hide-assets-crypto-hunters-find-them.html


There should be understanding between the two parties, as we really don't know what will happen in the future, specially your relationship to your wife or husband. So in case of a divorce proceedings, it will not be as complicated not like in this case.

I think this kind of thing depends on the initial agreement because when there is mutual trust between us and our partners, openness is definitely important as well as in investment matters but that does not mean that those who do it separately are also not open to each other but maybe there are some things that need to be considered in the end.

I personally am currently still trying to separate the investments made because I currently keep my portopolio in 3 different wallets even though I also sometimes fill the wallet more but it has been intended for my children and partner from the beginning. So in this case I give more access to my partner for his wallet although it is also at my discretion and sometimes I also fill it but I prefer this separate method where I, my partner, and my child have separate wallets to invest.

This doesn't mean it's not open but it's a form of commitment and convenience. I am comfortable with this condition so I continue to maintain it and do not make one wallet to be used together.

Having separate wallets is best, that's what I think, if the both patterns have the same wallet it may not end well, I mean with crypto it's actually different from a bank account,  with bank account there are always ways to correct certain mistakes and handl cases if they arise but it's quite different with crypto, certain mistakes will only lead to loosing of funds and nothing else can be done,  same applies to some issues, when they arise,  you only have to face the consequences because more than one person had access to the wallet,  it should be rather treated as a reserve, an investment alternative and should be in the custody of one person of in different places by the two persons,  Incase of any losses they have the other to cushion the loss suffered and always have something to fall back at.

If the both parties agree to have a traditional currency joint account and they managed it well without a controversy or any extraordinary issues, I think that they may manage same wallet, so what I want us to understand is that with trust and agreement in marriage, everything can be possible, but some people will not agree to have a single bitcoin address as a joint one, but people who has understanding can agree to have same or one address, but people who doesn't understand each other can never agree such instead they will have different address.

A joint account controlled by the couple is referred as family account, whatever investment choice including bitcoin or real estate so long as they both agree on investing together I find no fault meanwhile in a situation they both do their separate thing without joint management investing should be private but, I have witnessed a situation just one person get to control both investment and it’s not all about being perfect but trust. For example no one will be exempted when it comes to saving rather they both bring their different income and then decide on the amount to use, on the issue of loss and trust the fact remains risky when joining an investment or money together anything can happen but the person in-charge keeping the investment should be thought on how to avoid scam trick.

If you both have the same goal then I don't see any problem why you both shouldn't have same portfolio but if not then you should have your own separate one. The reason for that is that you might have different crypto that you guys want to invest if you want to invest different crypto with bitcoin as the main investment. You can also do both where you have both portfolio and also have your personal investment. You can also have your own, your partner's investment and both and your partner's investment.

You just stated there why couples shouldn't have a joint Bitcoin hodling or wallet. I believe that should be the best answer to your question. That point is a major reason for me and it's a no-no. This isn't about trust issue, it's about being too careful. There shouldn't be any harm in that type of carefulness. Creating a Bitcoin wallet is one of the easiest things to do unlike getting a bank account. I don't see why couples would want to jeopardize their finances because they want to prove they're in love on financial dealings. Finance should be separated from love, IMHO. That's the best way to keep everyone safe.

Based on all the previous physical of Bitcoiners by their family, friends, and sometimes the people who are not blood related who know about their Bitcoin holding. I will never advise anyone to invest in BTC together with their husband/wife. However, if someone must do something like combining BTC investments, some necessary things need to be put in place to prevent future issues.
For example, you need to make sure the person is not greedy, there's a need for legal signing, multi-signature, and more.

I agree with Dunamisx. There are too many relationship and finance experts giving their expert opinions to couples, most of them I think are ridiculous. I think everyone should know their spouse and know what works for them as a family. There are just as many cases where having joint bank accounts worked and others where it was a total disaster. 

Should be separate for a lot of reasons.

opsec

is big.

also should be a pair of  hardware wallets  one for wife one for husband

if usa based two PayPal accounts one for wife one for husband
if usa  based two coinbase accounts one for wife one for husband
if usa based two kraken accounts one for wife one for husband


so a total of 8 places with coins.

and ratios should be

85% in the wallets 5% in PayPal kraken and coinbase.


that would be fairly safe way to do things.

obviously do not have too much in btc and no cash in case you need cash for real bills.

Ie if you have 85,000 in the wallets and 15,000 in the exchanges

you better have decent cash somewhere  just in case.

Yeah probably having the separate wallets would be the way to go for sure, but for me this isn't a reality because I am really the only one that is into Bitcoin. I wish my wife had the interest and the want to invest into bitcoin or really even learn about it and I try my best to make it interesting but i'm always met with a lack of interest. I have taken it upon myself to educate her on the basics but it is difficult when someone just doesn't really have the drive or really care about it as much as you do, ya know? Maybe she will come around, eventually!

This question shouldn't even be the first thing that you ask for with your couple or partner because it creates an avoidable rift between you two, probably the best thing that you can do in financial situations like this is if you're communicating your perspective with your partner and them doing the same thing, most of the time, you can agree on something eventually and at the same time it helps with compromises and future arguments are prevented because you're both in it and you've both agreed with the terms of how you will invest. For me, this question is heavily reliant on what's the agreed upon financial philosophy of the couple because both have their very convincing pros and cons and if it's up to me, I think a joint account for investing is for the best because it helps your relationship, more things open means less lies you can tell and it's not a really good idea to lie in your finances as a couple because it's a crucial thing in any relationship.

This depends on the culture of the couple.  In my country, couples tends to share financial responsibilities and investments so it is normal to have a shared portfolio when it comes to Bitcoin investments.  But for self-centered and self-preservation, some couples keep their asset on their own. 

So for me either can do as long as the couple is convenient in what they are doing.  As for my perspective, I think I will have a shared portfolio with my wife since what's mine is also hers. ;D

The issue of couples managing digital asset together is a decision of choice and mostly by tradition. Not every tradition do such practice especially when the source of family income is one sided. Trust is very vital for this practice to succeed. Among the concerns you mentioned up there, only death is the pressing concern as it may lead to lose of entire assets if care is not taken.

The issue of one person falling for a scam is a minor concern because I believe one party should notify the other party before taking any action that concerns the wallet. Unless they are both dumb, they can't really be deceived at the same time. Divorce is a lame issue here. Property/assets will be shared after the divorce and each party can go ahead to set up a different and separate wallet afterwards. Nothing is messy actually  :(

Though you may be right but I think it depends on the kind of woman you got married to, that's if she's not this type that easily get carried away by material things. Because those woman who are used to all this flashing things can easily ruing our investment plans maybe when they need some money to get some stuffs, and it happens to be that you don't have any money to give to them in the initial time. You know for some woman they will just decide to dip there hand in your portfolio to get those stuffs which she desired for, I know all woman are not the same which is why I Said that it depends on the kind of woman you got married to. However, if your wife is quite different from this set, of course you're free to share your portfolio with her.

"Traditional finance"? There's no such thing as traditional finance in the country, where I live. All people open individual bank accounts. There's no such thing as a "shared bank account" or "shared portfolio" between a husband and his wife in my country. I guess that you are living in a country where the patriarchy is still strong. Anyway, you are basically answering your own question here. If one of the married couple falls for a scam, the money(or crypto) are gone. If the couple ends up divorcing, both will get a half of their "shared wealth" despite whoever contributed more for gathering that wealth. This is one of the main reasons why I don't want to get married. ;D

Having a partnership investment in bitcoin as couples isn't a bad idea  if they're a couple that understands each other and trust exists in between... However, times have changed and now a lot of women wishes to have their own personal business they run and giving them an opportunity to have their own personal bitcoin portfolio would be encouraging as an investment for them.

Apart from the fear of separation, security compromise from one partner and other associated concerns, I don really embrace the idea of couples having one bitcoin portfolio together. One partner could pressure the next out of personal FUD to sell suddenly even when the other partner is looking towards long term hodling and not wanting to sell short.

In some cultural beliefs, couples are considered to be two different souls that are forever bound together in love and living and at such should share almost everything together. For people with such belief, investing together in Bitcoin isn't a bad idea but for people who believes that couples are two different bodies that cohabit but are very free to engage in different activities individually, it's also not bad for them to invest separately.

These days, divorce in marriages are very common which is why I won't advise any couple to invest together. In a case where the investment funding is coming from both parties, I'll suggest they share the funds appropriately and invest in their individual wallets.

Desperate women are common these days. This explains all you have been saying here. In other to avoid such thing to happen to your portfolio there should be a two father authentication for security purposes. One security should be her email and the other should be connected to your google authentication our local mobile number. Through this way either of you cannot access to funds without the notice of the other party. Your wife can withdraw fro the portfolio if you are not aware and you either cannot withdraw too.

Depending on the spark, respect, commitment, trust, and understanding that is built in the relationship, that's what will determine whether the man should even agree whether he must save his Bitcoin with his wife or not. Women are being intentionally wicked these days in their marriages and relationships and with such situations that is more repetitive these days it has put a doubt in my heart to wonder if women can even be trusted or not because majority of women are with a man because of the money and when there arisen any minor issues, they will rush to file for divorce because they know what they stand to gain from the man's wealth and if they know everything about the man, they will know too much of how much the man got in his bank account and how much worth of Bitcoin they get. Personally, I would not save my coins in same wallet with my wife and if she is a Bitcoin lover too, let her keep her coins to her self in her own wallet.

For inheritance purposes your partner should have some kind of way they'll get access to your wallet when you pass away. It can be through will or any other methods that this can be done as entrusting your partner with your private key can be dangerous from the beginning. Here's a solution from me, both partners have their sperate wallets and also have a joint wallet that they'll need eachother to make transactions from.

This is exactly how we have joint account for couples in the banking system. There's lots of scam that any of the spouse can get into because of their lack of being cautious hence only having a joint wallet without individual wallets can be a problem for the family when one of them because careless. Apart from having Bitcoin, the couple can have alternative investment that can be passed on incase of death.

:D :D :D
https://imgvb.com/images/2025/03/16/d33734cd8954771f2be93903aef97cd8.png


I don't think this one is good, it means you're hold your coins in centralized exchanges, CEX isn't a safe place to hold a lot due to prone of getting hacked or bankrupt. Even the exchange require email verification and 2FA code to access your account, but there's still a way to access if you lost one or few login credentials. It's contacting the customer service and ask how to change the 2FA/email.

It's possible, as long as you have all the login credentials and know exactly about the account, you will able to regain access.

Uhm, prenup? If they decide to talk it out together, then that's usually the most foolproof plan. Unless ofc as you said, they have their own separate wallet and in that case, then I don't think it matters much. I mean I hardly doubt the partners would know the others' wallets, would be kind of weird to have 2 separate wallets if they did that. And as for any issues or risks that happen because of them (or their idioticness), again, prenup should handle that imo.

As for inheritance due to passing then yeah, that's definitely an issue. The most likely case is the wallet being forgotten really but if they have access to everything the passing partner had, I reckon with a lot of effort they can probably get it back. Most would probably just slap it in a notepad and save it on an external hdd or something anyway. I reckon rare are those who'd leave it in a puzzle.

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

This is a complicated situation where only the two of you can talk about it and come to  respectable conclusion and agreement. If both of you are working and you want to keep some of the money for yourself and put in bitcoin then why not?

Regardless if it is in bitcoin or not, you would really need a joined account anyway where expenses will be paid from. You should talk to your partner if they are okay with this investment being from both of you. I do not see any problem with having the same portfolio if both of you are or will be contributing into the investment anyway.

But I want to ask you, if you know your lover likes flashy things, she is easily caught up in material things, not putting love for you above those things. Why did you choose her as your wife in the first place and put your trust in such a woman? It was clearly your fault, you brought this upon yourself when you insisted on marrying her even though you knew she wasn't the faithful type.

I find it amazing many people like to badmouth women or look down on them. I wonder, those who are badmouthing and doubting these women, are they married and experienced or just watching movies and imagining these things? Or are there cultural differences between countries? Because i'm married, and most of my friends are married and none of us have ever experienced the things that some people here are imagining. Not all are good people but most women, wives in my country are not as bad as many people say here.

Maybe it's better to be separate because, because you don't put your eggs in one basket only, not because you don't trust your husband but it seems like he just keeps or values ​​the bitcoin that you will save for the future of the family that you have.

Because this is what I do with my husband, although he saves other altcoins like fiat that he just saves then holds for the long-term, because he doesn't know much about trading activity but he just buys, and this is the only thing I teach him how to deposit and withdraw from the exchange just so that at least he knows what to do.

I don't understand why your wife will not be interested in bitcoin. This is risky to my understanding. Your wife should be able to pick interest in what brings money, unless you have an offline business which brings major money and your wife is just interested in that one. If you are able to tell your wife bitcoin related stories, what happens amongst your crypto friends, what happens here in the forum, the mysterious nature of bitcoin creator, the pizza story and more, she will eventually become interested. That was the method I used to get my spouse interested in bitcoin.

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.

Since my wife doesnt know about crypto then i dont really have any problems in regarding to this but eventually everything on which i do is really that because of them or simply i've been doing these investments for the benefit of the entire family. Somehow, she do knows about of my files whenever i do pass away on which i do make out some explaination about it and since she doesnt care about on what i've been holding or really that up to then its not really that much of a problem for me.

In the opinion in regarding separate portfolios then it does have that different pros and con's too on which just like on what been mentioned above. If you are the husband then it will be that up to you whether you do share it up or not. It all matters about the agreement in between and having that trust on which i do say that this is the main factor on where people should really be that reconsidering about. There are really just that couples that been thinking up about money.

AFAIK there is a rule introduces in South Korea where they said the wife also owns some part of the BTC or crypto, that husband holds so I guess in some regions people also go for crypto too hehe, like I we have seen many people marry to other person to get access to their financial life by using law which was meant to give safety to a person but it is not being abused in many countries.

It can't be scammed if both use two signatures instead of one and they should keep one half of the phrase each, to maintain the unfortunate incidents like hack etc. like if one's phone got hakced with seed phrase the hacker will get only one part not the full. (Although not a good idea as if one part lost the whole funds would be lost but with wallet still on they can move the funds to another wallet).

I can't speak from personal experience, but in such cases, as most people have already mentioned, I also believe that it's best to have separate wallets. It's safer that way, and you have full control of your investment and how you proceed. Divorce rates have skyrocketed, and I don't know if cryptocurrencies are taken into consideration if someone between the two decides to move all BTC into another wallet. I believe it's much more complicated than withdrawing money from your joint account.

Anyway, I believe that this is a relatively uncommon scenario for couples to be both interested in Bitcoin investments; it's something that hasn't occurred to me at least.

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.

In this case, I would like to know one thing, is there any special benefit of investing Bitcoin in together?

As far as I know there is no special finish it for this. I also don't think that it will be any wise idea to make investment in Bitcoin together in a single signature wallet even though I won't suggest using multiples signature wallet for joint investment on bitcoin.

If the matter is that someone wants to see their investment amount together, then they can use Google Spreadsheet or there may be some other method. So since there is no separate benefit of joint investment, I think it would be best for each person to invest separately.

It's always better for couple to separate their bitcoin investment. it helps to avoid the potential personal conflict. When you meant about a couple who has merried, and it's fine to save it together in the same wallet, but the potentially to be divorced is still there (civil case).

That's why i think i'd prefer to save it individually instead of doing it together in the same wallet. I don't think saving together is bad, but me personally don't like it. However, sometimes it totally depends on the agreement between couple itself.

It's best to keep a separate portfolio. In today's period where divorce has been a norm for most women, there is something to worry about men that has got a huge amount of holding.

While married couples should have it as a conjugal property. But I think that it's still important to be wise for your own safety. Not that you're not trusting your love with the money you have.

Due to the rising cases of these marriages and divorces that they only want a cut of your networth, you cannot stop thinking about it.

It is up to the couple, but we have to take note that in the BTC network you are your own bank, so if couples share a wallet, they cannot be their own bank, they are now two controlling the wallet, and one persons mistake affects the other. I recommend separate wallets, they can share ideas about BTC, learn from one another about the network, but it may be better to have different wallets.

It will completely depend on the couple. If they both want to keep it in the same wallet, they can do it, and if they want to keep it separate, it can be according to their wishes. But I think it is better to be separate. Because one should keep the issue of their own security to themselves. Maybe the couple who is thinking of depositing Bitcoin in the same wallet today, after a few days if there is no trust between them or if someone betrays with another, then one of them will definitely be a victim.

To avoid that situation, it is definitely safe to keep separate Bitcoin wallets. Moreover, if you keep it in one wallet, if for some reason you lose your secret passwords or if you are exposed to any kind of hacking, then one account can be lost, but if you keep it separate, it will be safe. In my opinion, since it is a matter of two people, it is safer to open separate Bitcoin accounts and deposit Bitcoin.

To her credit she is very very busy with a business of her own and with caring for our family but I think she understands the value and I have drilled it into her time and time again. She is most interested in selling hahaha 😆  typical of women. She will thank me one day for holding.

It's a matter of decision. If both of them agrees, they can use thesame Bitcoin wallet, but if they don't agree then they can use a separate wallet.

I think if both partner Hodls the wallets seed phrase, they should be careful with it to avoid being compromised. Or better still among the two partner, the more careful or more safety conscious one should be in total control of the wallet while the second partner should be given the Bitcoin address to be sending Bitcoin regularly but should just write down the seed and store in a safe place to avoid the risk of losing it since that one may not be security conscious.


Definitely in a join wallet both will shear the seed phrase to the Bitcoin wallet, so that should Incase any incident happens then it will require the second person to have access to the asset.

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.

I have a mixed opinion about this. On the one hand, it is better to entrust investments to a more knowledgeable and erudite spouse, and on the other hand, it is safer and more rational to have two wallets, it's just the way things happen in life, and if property can be legally divided, then, it seems to me, it will be more difficult with cryptocurrency. But in general, it all depends on the people and their relationships. In an ideal world where there are no divorces and infidelities, it would be possible to have one portfolio, but in the real world I would choose the second option. again, I'm a cynic, but that's my opinion)

There is no general rule for this, it all depends on your happiness and your girlfriend/wife, there will be a suitable solution. If you are not married and just dating, investing in bitcoin together would not be a wise idea because if you both break up, you will be in trouble as many people have mentioned. Or if you are married but your family is not really happy and trust each other then you should not do that either. But on the other hand, if you and your spouse truly love each other, trust each other and are willing to sacrifice for each other, then there is nothing better than investing and managing bitcoin investments or anything else together.

Don't listen to anyone's advice, just because they don't have happy families, they come together for money, calculate each other and give advice based only on their experience. Meanwhile, you are having a family life that is completely opposite to theirs. Why should you follow their advice?

definitely, both parties must have at least one as personal portfolio. because if one of the parties has an issue... the risk involved with the same wallet is too hard for both.
I have always used this strategy with my wife and I will not change also lately. For sure there is a wallet that allow to move funds if there are no new outputs /inputs after some blocks.
In this way no coins will be lost but both are always "protected" since not able to move immediately such tokens.

This really is a topic I kind of wanted to touch on today. I was watching a recent interview of Tom Brady, who is asked if he’s still a bitcoin believer, and he stated that emphatically he was. During that conversation, the two hoes which by the way, the conversation is Sunday conversation by Caleb Presley a Barstool Sports highly recommend it absolutely awesome anyways him and his sidekick Both lost a bitcoin on the FTX exchange still blows my mind that people keep their coins on exchange and honestly, I don’t know what I can do about it in large clients asking me all the time. What should I do with my bitcoin? How do I properly store or more often that I have to teach them this without the masking but I’ve been telling several groups of friends over the years that by yourself Don’t get in a group. It makes no sense anyways when it’s your significant other, that’s a different story.

just use multisig, then it will need approval of both of you.
on the other hand, your point does make sense a lot, I've seen plenty of case where people got scammed with social engineering, so having separate wallet does make sense, but it'll reduce the trust that you have as a couple.

so, I still believe that multisig is the best way to solve this problem.
this big exchange holding thousands of BTC if not more are using multisig for a reason, it exists to solve problem like this.

I prefer to have separate wallet and they need to use multisig to access the wallet. By having separate wallet, they can use that for investment purpose and for back up their daily need just in case if they have a need urgent money.

If they are married couple, they will have one reason to have an investment. They want prepare their family future by having Bitcoin investment. If those couples divorcing, they can split the investment into two parts and give the part to each of them.

I don't have a joint bank account with my wife and it doesn't affect our relationship so I don't see the need to have a joint Bitcoin wallet. It's mainly for couples who have joint bank accounts that can consider having a joint Bitcoin account. Although I can say that I indirectly share a joint Bitcoin wallet account with my wife because she has a copy of my seed phrase for alternative safe keep. So basically it depends on the agreement and preferences of couples because what works for a marriage might not work for another, every marriage is unique. Bitcoin is a decentralized asset and I prefer to have the freedom and privacy to hold mine, the reason why my wife has a copy of my seed phrase is Incase of theft, misplacement or disasters where I might lose mine.

Looks like every men here have the same thoughts of having a separate account. I wanna know what a real female would think about this when they hear this from their husbands.

Are they going to get mad by hearing their partners want to have a separate portfolio for their Bitcoin holdings rather than entrusting each other with private keys?

That's gonna be some hard trust issues.

I think the question is assuming that women are somehow less trustworthy with private keys or that they'd be more prone to scams, which is a pretty insulting assumption. In reality, couples should have a conversation about their financial goals, risk tolerance, and security concerns, rather than making assumptions about each other's behavior. Maybe instead of asking how women would react to separate portfolios, we should be discussing how to establish clear communication and trust protocols for shared digital assets.

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.

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

The level of trust indeed on which this will really be that basing up on how deep your trust towards into your partner when it comes to money management on which we know that this will really be that totally having that kind of difference in between couples because not all will really be having that kind of deep of trust in between into their partners on which means that it will really be varying. Here on my case then i do really trust up my wife when it comes to money and making up such agreement and plans in between then this where we couples will be having that kind of adjustment. Speaking about crypto portfolio then it will that totally a solo thing for me because my wife isnt really that good when it comes to crypto or doesnt know that much even with the basics then this is why i do really that prefer on going with my own but i do let my wife do know about into the investment that we do have so that in case if there would really be some profits then we can be able to make some cash out. When it comes to keys then i do let her know, i do trust here when it comes to finances and some management of it on which if you do have dont that trust then you will definitely having the doubts. So it will really be that up to you on which one you will really be choosing into.

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

It is not a bad ideal if couple have joint accounts or even a cooperative business but what matters most is trust.
If in terms of investing on bitcoin what we should consider is the source generating the investment funds because if they are both providing the money differently and inequality in sum, at a time of disbursing the funds after reaching investing goal might become problem for them because either the wife or the husband would want to claim he or she invested higher amount and are expected to earn more share. And besides issues may rise in the future when decides to Dca.
In a scenario like this I am think having different wallets seem best so everyone would always be sure that whatever value they holds is his or her own which will as well serve better at trust issues.
But if it was a corporative source that is generating the funds and they decides to go on investment plans a single wallet to serve as corporative account will be better and will agree in terms of Dcaing how the purchase schedules should be. It will also be  needful to operate in the multisig wallet so as to protect unwarranted transactions from one side.

I don't think there is a need to create trust issues here because having separate accounts is more safe for both of them in every way those have already already said by  philipma1957. So there is no need for both of them to adopt bitcoin in one wallet just for the sake of trust.

This may just be an expression of emotion, but in the long run, I think most of these will be problematic, even if they own a joint wallet by multi-sig wallet. Moreover, it is not the case that if two people hold funds in one wallet, they will get any interest. So I think it is better to have separate wallets to eliminate the risk. O0

Hmmm, that looks awkward!!!  ::)
Why Exchange wallet, though? Did you forget about it, "Not your keys, not your Bitcoin". If their parents have intentions to have a joint wallet to keep Bitcoin for longe term then they need to create a multi-sig wallet because it will allow both of them to have access to their wallet as well as no one to be able to withdraw funds without the consent of others. It's also safer because through this they will be once own the key and phrases of the wallet.

Besides that, for personal investment, everyone has their own preference for whether they want to go for an exchange wallet or for a non-custodial wallet. It's is totally depends on your act, like it is up to you. But for a joint wallet, it would be better to go for a non-custodial multi-sig wallet instead of an exchange. So it will keep their funds safer...

Love and trust your partner but do not put all your trust on them, don't be fooled by the display of honesty from any partner, even family are threats to your portfolio, always be active to know what to agree jointly and what to do separately.

Having a joint portfolio isn't a bad thing, there is a way were the wallet can be secured, both partners needs the attention of the other before being able to withdraw from the portfolio, shared wallet can be a preferred option for the partners. They are also free to own different portfolio outside the joint wallet, don't put all you got into one basket, it may fail at the end, learn to diversify your options.

If you have bitcoin in a different wallet, and the wallet is kept in a house, then it’s almost the same thing as keeping all the bitcoin in a wallet. If a house is being affected by any of the disaster that you mentioned above, even if you have more than a wallet in the house, it’s going to be affected. So if you are having bitcoin in different wallets, maybe there is a way in which it’s going to be done so that all the wallets won’t be in a building. But the best thing to do is just to properly secure your private key.

In my case, we don't share the wallet as the idea to get bitcoin was 100% mine. My wife had access to about a third of it for a few years but when the price went crazy in 2018 she was no longer comfortable holding it and asked me to move it to my wallet. At that time we had no hardware wallet so she was able to take her computer to work without worrying about security.

Should couples share? It depends. If you both DCA, you could as well do it in a shared wallet. That said, ask yourselves if you need constant access because I do not. I have a hot and a cold wallet and once in a while I move some funds to my hot wallet that I have on my phone and I use that whenever I need to pay using bitcoin, but 99% of my funds is on a cold wallet that we access maybe once or twice per year.

If the husband and wife are truly committed and there are already regulations or agreements made to establish cooperation including an agreement if something unwanted happens, I think there is no problem, because as far as I know with the signing of this marriage certificate, then everything that is legal, financial, assets or whatever you produce then it belongs to both of you or jointly owned including Bitcoin. Even though they are separated there is no problem, so everything returns to them with the agreement and commitment of the shared Bitcoin goal and including the goal if together until the end of life without any interference from others including the husband and wife's family.

And so far I have never heard of a case of a husband and wife who have Bitcoin or a joint portfolio that is problematic, and yes or no but I have never heard of it.

Let every couple decide on this because it is not all couple that have strong relationship or bond very well with each other. if any couple bond very well and have good relationship within one another it will be easy to invest bitcoin together without any problems but if there is no good relationship i dont think their is any need to invest bitcoin together. there are some couples that are very close to one another, they  are so close that they cant do without one another, couples like this can decide to invest bitcoin together without any problems, to make everything short is that not all couples can invest bitcoin together in the same wallet.

Yes, the couple might invest in Bitcoin together because they are together and trust each other. There's nothing wrong with that if the couples investing together, but what you indicated earlier will be a major issue: which is divorced. Because if they are no longer together and one person holds the private key, there will be a big war, especially if the husband holds the private key; he will not want to release the private key so that they can share what they've invested so far with his wife, and if the husband refuses, and if he does not, they may cause a great deal of trouble by starting arguments between the bride's and groom's families.

I think you've missed the last words that I have said and about making each of their separate wallets. If they wanna go and exchange the Bitcoins that they have from their separate wallets, they can use that for each other to see the recorded sales that they have. But on this, there could still have some trust issues because one that isn't registered their names on any exchange could find another one and have his/her personal exchange account there for liquidating purposes.

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.

What I'm thinking is that if they get angry and talk about this with their husbands, it's probably a lot better than if they do the same thing in silence. What if wives also started to build their own plan B? They will start neglecting housework and children, and look for ways to earn money to build their own savings and investment fund just like their husbands are doing. That will cause family happiness to begin to crack and breakup is inevitable. If the husband can do it, why can't the wife? Has anyone thought about this?

Yes, many men here have the same thought about having a separate account, but I want to know, are these guys married or never married? I would be surprised if any girl married these men when they knew what kind of guys they were.

It would be nice if we had a separate wallet, not that we don't trust our confidants at least to minimize things we don't want such as fraud or other things. Even though we have separate wallets, we still support each other with the same goal of building trust and respecting each other for a common goal. With a model like this, couples can support each other in their investment journey, while still maintaining the security of each other's assets.

if you believe having a joint account as a couple is okay with you, then there is no reason why you can't have the same Bitcoin wallet as a family savings wallet. if not for the fact we are now dealing with marriages that dont have a clear plan of staying together forever, it is normally ideal to have a joint account that a certain amount can be collectively deposited monthly that will serve to meet the needs of the family in times when it matters most.

having a joint wallet does not mean that a single party can not have his wallet where he/she gets to manage how he /she goes about it. it is the same thing with having a joint account, even with that joint account, the wife or husband is expected to have their individual accounts while the joint account serves as the family account. the wife should build her portfolio, same with the husband and collectively, they can DCA a certain amount into the joint wallet for long-term holding.

I would personally not trust anyone else with my portfolio but that is just me because I see no upside in such blind trust, born out of the illusion of romance. If anything, all there are to this are downsides which include you losing your Bitcoin. Especially during arguments or break ups.

And good luck proving who took the Bitcoin.

Seems reasonable too - it's about the person in question.
Because you can't put all the trust even in your closest ones - because when it comes to money, there is no guarantee in anything. I would only look at it as a heritage setup of sorts.

Indeed this does make sense, both can agree on inputting the same amount each to the wallet and
treat it as a fund for the future or retirement or house renovation or whatever.

TBH I would imagine that most couples have a joint account and personal accounts in this modern world.

---

The OP's question in the thread title "Should" as if either option is the absolute must which I believe
as do others agree that there is no absolute requirement or law - it should be fluid scenario or agreement.

I can also understand in certain societies Women do not enjoy full control of their own lives ^{which is
totally ridiculous in this day and age} so a joint Bitcoin wallet is not going to be an option anyway.

That's likely in most married people in the world, they have joint accounts and conjugal properties and investments. It makes sense on how they're going to make themselves comfortable on each other since trust is no longer an issue. But maybe for new couples, they're going to have some debate first before agreeing in making one account for their crypto holdings. It all sums up that everything can be talked about and negotiate on the terms that both party are going to agree with.

Blood fights against Blood.

Hatred can emerge among blood brothers, leading them to turn on each other. Betrayal often arises when money is involved. Now you're talking about spouses? I'm not saying love doesn't exist, but we can't truly know what's in each other's minds. People can be cruel; someone you've known well can change drastically in just a matter of days.

The person you claim to love so much can become the one you despise someday. We are all human, and these things happen frequently. Throughout my life, I've witnessed so much that nothing surprises me anymore.

I now always expect the unexpected; whatever unfolds, I am ready to accept it as it comes. There will be no more surprises. So, please, as a couple, do not entrust everything you have to your partner. They may love you today, but they might not love you tomorrow.

You are absolutely correct that is the simple truth about it, I think the choice is left for them to decide. Because investing in Bitcoin is a matter of patience and understanding. so just like as you mentioned I think as a newlywed couples investing together might likely strengthen their relationship to be more stronger. But looking at it in other way around humans are not worthy to be trusted, because nobody can tell what would happen at any given time.

Every husband and wife have different rules in managing finances, I always give my wife the freedom to manage her money, the point is we try to manage finances separately but remain open with each other regarding the amount of assets that have been collected. My money belongs to my wife and vice versa, but to prevent risky things in the future, we divide our monthly income to save for each of us.
So far, there have been no problems whatsoever with the way we manage our assets, but to anticipate asset loss, my wife and I have agreed to share private keys with each other, but not to spend each other's assets.

I think one portfolio that is designated as the family savings account (designed for generational wealth building) and 1 - 3 more for individual/joint spending would give the most flexibility. The younger the relationship, the less I recommend it. I'd only recommend it with a partner that you know you will be with for life, definitely not a new relationship (should be obvious).

BTC is an asset anyone can invest traditional money to have opportunity to earn good profit in the future, which couple can also invest to have asset that will increase them financially in the future. Any good thing is not easy to get the knowledge but once you have the knowledge you will surely be successful in that particular asset.

The couple will have one wallet to store their BTC and have the seeds phrase written down for security purpose, and if anyone want to know the rate of the BTC in the wallet, he or she will login to the laptop or phone to check because as couple they must not keep secret for each other.

We do agree on that, it's important to have separate wallets for both sake.

We're seeing in the world how partners are ending. Left and right divorce papers are being done and that's why in terms of assets, we have to separate them.

Trust no one as they say.

For both ends, there is an equal thought.

But I think it's because more of the burden are placed on men because we're the breadwinners. And you're right, if men can do what we're thinking, women can do it as well.

It would surely be safer to have two separate wallets: one for each partner. In case one partner makes a mistake with their wallet, the other one would remain safe. Unless, of course, they both don't mess up. You mentioned one of the partners falling for a scam in your OP. That can happen with join bank accounts as well. And even though there is a central party (the bank) that has custody of the money, it may or may not recover funds that were stolen due to phishing or similar schemes.

Joint account has caused separation among spouses, It is not adviceable and safe to have a joint account investment for future purpose, because the holder can have an emergency without informing the spouse and decides to use the money, they will both be responsible it can lead to divorce or something else
Having separate Bitcoin investment is  healthy for a couple since their thoughts and manner of investing might be different, and most time when it comes to keeping finance safe and longer women are good at that, Separate portfolio is the best so that everyone should handle their account and use it best for what they want to without answerable to each other, separate account gives room for competition and proper management of finance, even if divorce or death occurs, it will be easier for the other partner to deal with without any  family member interference in your Bitcoin asset .

It depends. If the couple is very close, it would be interesting to share the Bitcoin wallet, especially if they have children. It wouldn't work. For example, I have a boyfriend/husband who wants to grow together. Let's share everything without secrets. But if they are one of those people who don't want to grow in life and who only put you down, I'M OUT. I would much rather have my peace and keep my Bitcoin wallet just for myself. Hehe.

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.

It would be better if the husband and wife kept separate wallets and each stored their Bitcoin in a separate wallet. Storing Bitcoin in a wallet would be more risky because if for some reason someone outside gains access to their wallet, the Bitcoin they have stored will be lost forever. Therefore, by storing Bitcoin separately, if someone's wallet is hacked, the other person will have the opportunity to take precautionary measures. However, the security words of each wallet should be written down carefully in a notebook or in a secure place before using the wallet. This prevents anyone from leaking the security of the wallet.

I love the level of transparency in your marriage and the open relationship you both share. It's only an insecure man that'll kick against financial freedom for his wife. I highly recommend allowing wives to own and manage their finance however, it's also very important that they keep their financial activities absolutely open to the husband.
Investing in Bitcoin is one of the best financial decisions anyone can make and because I've got good knowledge about it, I'll advise my wife to also invest in Bitcoin but with her own portfolio while I do mine separately. At the end, we are still going to use the proceeds for the good of the family.

You have already stated it all both the advantages and the disadvantages. Everything always have a positive and a negative side effect, bitcoin investment is a very sensitive investment that I wouldn't like  to jeopardize it at the nearest futures.

Having a single bitcoin investment deal is rather considered the best for me, because I wouldn't what to pass through any stress if eventually something happen that can lead to the separation between me and my spouse.

We do not share our "accounts" together, but we share our expenses together, and whenever we have enough saved up, we spend it together as well. Shared account isn't something that is beneficial in my country, it just makes the tax higher, you earn exactly the same amount, but if it is shared account somehow you pay more because it looks like it's one big income and then you are in a new tax bracket and you pay more.

Stupid rule I know, but if you make 10k a year, you are under 12k a year, which means you pay 15% taxes, and if you both make 10k a year, then total would be 20k, which is over 12k, so you pay 25% tax. Very moronic, but that is why we keep it separate, but we share expenses together, so it is like same account.

I agree. People will invent anything to keep the taxes flowing, the more - the better.
And it's sometimes ridicilious to which extent it goes.

The important thing to do before deciding this is to align the mindset and knowledge about Bitcoin, and in my opinion, couples who have Bitcoin and agree to invest in Bitcoin must have understood at least how to store Bitcoin.
Have the same understanding of how to secure Bitcoin and also the same goal of investing in Bitcoin including if the relationship does not go well so that Bitcoin can still be accessed by both and get benefits from the Bitcoin they have, including it in the marriage contract can be a solution and using multisig could be a choice.

If the couples are living well in peace and understand the principles of running a joint account, know more about cryptocurrency, then they both can decide to run a joint account or each party to run a separate portfolio for himself, it's just a matter of understanding and not having a bias mind against each other, two are better than one, if they can work together to achieve a common goal, combining the portfolio or running a separate one does not change anything about what is concerned or at stake, as long as they understand each other.

Talking about transparency, all we need is the public address to see the bitcoin transactions.
So transparency is still there if you just share the public address with each other.
In this scenario, it's best to hold the coins in separate wallets to minimize the risk of loss of coins.

This depends on the financial set-up of you and your partner.

Generally when couples enter and engage into marriage without any stipulation to their marriage settlement regarding the division of their property, an absolute community of property is automatically entered to them. This means that any property that is acquired before and after marriage would be presumed to have been contributed by their joint efforts and they shall divide it equally between them. In layman's term, all financials and properties are equal between the partners.

After providing the backdrop above, I would definitely prefer couples to invest in BTC in one joint account for both transparency and equity. If the couples have equal access to the investment portfolio, then they are pretty much aware regarding the value of their BTCs.


I agree with your statement.

Like what I have answered above, it really depends on the property set-up between the couples. If you wish to exclude certain areas of properties beyond the reach of marriage, then feel free to have separate investment portfolios. But if you are a couple who prefers to invest equally on everything, then having one joint account would be beneficial in the long-term.

You can have marriage contract with your spouse or not, but if you both don't have an agreement about your properties, it's safer to have separate investment accounts. I still doubt that according to law for spouse, all properties created during your marriage period will be considered as belong to both wife and husband. I don't know that if you keep separate investment accounts of wife and husband, is it make any sense by law when the spouse separated later and properties should be splited half.

I guess this practice is only emotionally safe but in law, it does not mean anything.

As married couples you may choose to share things with your partner like joint savings acount and also contribute for some projects together like building project but having a joint Bitcoin wallet should not be encouraged. Aside running away with the funds, if your partner carelessly exposes the private keys or seed phrase, you're screwed. If both of you want to invest in Bitcoin, do it separately, not everything are meant to be shared.

The phrase not everything are meant to be shared can be contradictory sometimes. Bitcoin can be a shared investment, if it is properly arranged. Imagine a couple is using a hardware wallet and the device can be stored in a vault where two individuals can have one part of the piece to accessing the vault. By now we must have watched movies where the keys in accessing a secured file is separated only one of the keys cannot open it. That is the same case i am explaining here. Sharing a Bitcoin investment account is possible if it is properly planned.

it is true that it's not everything that should be shared. i have also read through the conversation and i have gotten some clear pictures on how things should be done.

even for security consciousness, couples could be encouraged to have 2/2 multi signature wallet. when hacker or a scammer knocks, both of them has to be convinced before the transaction will be signed. this will make it even more difficult for them to be scammed.

My own personal advice would be for couples to invest alone if they intend to make active transactions on it, like trading, etc. They might be a couple, but their views on when to trade and when not to might differ. If there are losses, it could turn into a blame game. Business is business, and it is always advisable to keep some level of emotions out of it.
Unless they only intend to hold for the future, let’s say they plan to make it a will for their kids, whether born or unborn, then they can keep buying and holding together for that sole purpose.
At the end of the day, the couple should do what is best for them.

Similarly to topics that have been previously created where the OP was asking if it was right for men to tell their spouses about their Bitcoin investment and also hand over their secret phrase them, In one of those post, I said that I would rather keep a trace to my wallet phrase so that if anything happen, not just my wife wi have access to my crypto asset because if she does, I can not tell what she might do with it in my absent. Probably she might not grant my wish by hand out the coins to whom I dired. Am not yet married but if I get married anytime in the future, I don't have plans to run a joint account with my wife and I probably will not also have her keeping her coins in same wallet with me but if it's her wish to trust her coins with me,  I still don't have problems with that but I will create another wallet where I will ask her to send the asset to and I will keep it safe just as I will keep mine.

It depends on the situation or personalities.
What if both of them are knowledgeable in crypto but have a different opinion on alt coins, or what if they are in a verge of breaking up?
It is good to have a partner with a similar mindset or have the same interest as you, you could both have your own investment or portfolio or just combine your investment to make it grow.

Trust is earned. You could marry a woman who you realize will be the best to hand over your Bitcoin to. If you have children, your wife will also be the likely person that should inherit your wealth especially if you're children are still young. Other relatives might not take good care of your children like their mother. I am also aware that there are wives who cannot be trusted because of their negative behaviour. In such circumstances, it will be better to show someone else access to your wallets.

I agree with what you said, mate, if that's the case I totally wouldn't have any problem to do so but where which there's no such trust, it is what it is. In one of the old threads that I am talking about, I have shared the story of a man in my place that was dealth with by his wife, the man was rich, trusted the wife with all his asset but after he died, the wife didn't even give any piece of the wealth to the children as if they were not her kids.

If they are moving past the doubting each other part and already just trying to figure out what is the safest way to invest into bitcoin, then they already achieved so much together. If you consider what would happen when the relationship goes south, then you are already focusing on the wrong part of a relationship.

You can't just focus on what could go wrong, while that is perfectly normal because every relationship "could" end at any moment, that doesn't mean that you should be in a relationship, while thinking about potential of it ending. Go with your gut, and on the way to your gut, check in with your heart. Those two will tell you what's what in between them (love ted lasso). That should make you invest together easier.

I'll say yes, couples should share their bitcoin wallet. But some might think of it differently. Many like to keep a secret savings without letting their partner know about it so they can be used as an emergency fund or maybe to purchase something which their partner won't allow to. For me, I love riding and mostly spend a lot on expensive equipments like jackets, gloves, helmets, etc. My partner won't let me spend so much on these equipments because I hardly go on rides here. I usually go for a ride maybe once a month and that too if my office plans group rides as it is not really safe for me to go on rides alone being a girl. But even for those rides, I like to be fully prepared and have all my accessories with me.

So in my case, I have to keep a secret holding to spend on these things which I won't let my partner know about so I would personally keep a bitcoin wallet which my partner is not aware about.

The husband and wife could have their own personal Bitcoin Accounts, and a shared or Joint Account with funds that can only be spent via multi-signatures access...meaning that the husband or wife can't spend the fund in the account without the consent of the other. They both have to sort of sign every transaction before a transfer from the account is possible.

The joint account could be an account for receiving bitcoins  from people and for contributions from both husband and wife to take care of general needs that may require their consent for spending approval.

But if something happens to either couple, transfers from the joint account may not be possible. Hopefully in the future, it should be possible for couples to set their joint accounts to auto-transfer funds to their personal accounts/addresses If access to joint accounts funds is lost.

Such questions are born out of so many situations and from the look of things the ops sounds as if someone has trust issues this is somewhat a big deal for the ops and for sure as investors there are what we call personal investments and joint investments in a family setting and for me I think every individual have the right to invest in whatever sorts them because when it comes to Bitcoin investment a lot of couple may have different and opposing stands towards that.

If they are both knowledgeable in crypto and have their own preferences, they can choose to invest differently, but even as that, they can still have separate investments and a combined one. Having knowledge of crypto can even make it easier, as they can use a wallet that requires both their permissions to make any withdrawal. Even in terms of going their separate ways, everything is based on agreement; they can split it.

Two good heads they say are far better than one, if the both have the same interest, doing it together can enhance the investment in terms of finance, time or attention given to the investment. However, there are couples who might not want to have a share of the same investment we still have to respect their own opinion on standing on their own rather than having a joint investment, if they can invest together is ok and if they can not it is still ok provided it is their personal decision and choice. But the truth remains that two good heads will surely supercedes one good head.

Although you are right, we all know that people change sometimes and things can go wrong even when the relationship looks very strong and free of problems from the outside. We have seen people getting divorced after being married for more than 50 years or so, and that is proof that no matter what, things can always go wrong in a relationship and that each person should keep this in mind even if they love each other so much because times change, and with that, things change too.

This is why it's better for a husband and a wife to have separate investments with their own money and then if they wish, they can have joint investments on mutual understanding and terms that they both agree on. This way, they will be responsible for managing their individual investments on their own while can make mutual decisions on the joint investment.

Two is indeed better than one, it is really just that there are those individuals who do have some trust issues despite of being married to other person on which they cant really be just that comfortable into the money that they are saving up and this is what i can say a little bit ridiculous but there are people who are really that like this. It is really just that too laughable that conjugal property isnt really that being applied or it isnt really been that considered by some couples or married person. Well, there's nothing we can do if they would really be having that way because its their money being saved and not ours. For me then i might consider out too on having some own savings on which that it is really that on my own and not being told into my wife. We do know that there are some needs that we do want to buy and doesnt really like on always asking for our wife to buy us with that. This is the main reason on why i do keep myself always having some extra fund but when it comes to investment or simply with my crypto holdings then its laughable that even myself do really comes up with this kind of idea. So it will really be that up to you on how you would really be that handling out when it comes to financial matter because in the end of the day when the family is experiencing some financial difficulty then it will be both husband and wife would really be coming up with solutions and this is where usually their investments would really be coming out when they dont really have any options or solutions into their problems. Separate portfolio isnt really that bad but it would be better that you should be letting your wife do knows or telling each other in between about your holdings since the budget do really comes from in between your incomes.

Why can't couples invest together? If a couple can have a combined savings account together then they can also go into Bitcoin investment together in partnership. It's a thing of understanding and a good couple who understands each other in love do practically everything together.
They consult each other for every action or decision they are about to make in agreement before embarking on it. Such couple can comfortably invest in Bitcoin together in love and understanding and no form of misunderstanding will come up.

Money is money, you can't combine money with love, family, friends etc.

I don't think it's good to combine them, there's need someone who can make a decision instead of making decision from two or more people. When you add more people to make decision, it's usually create a drama and you have to spend more time to make decision.

Your partner is not just a anyone that you can randomly compare to a family member or friend as you have mentioned.
You are a couple and at such do practically everything together.
You should as a matter of fact trust your partner the way you trust your own self.  You are one and you build together and go through everything together so why can't you both invest in Bitcoin together?

Except it's a case where these couple donot do things together, there's no solid Love or together in the home. Such couple have trust issues and always having misunderstanding in their home. But for a couple who understands the true meaning of being together and partnership it will work perfectly and Even go smoothly as these couple will encourage each other to even do better.

That is what they all say until things begin to go sore and then we begin to hear regret from both parties of how they would had invested or saved separately. There is a high rate of divorce form marriages and many couples that were once love birds become enemies that are ready to kill each other. To prevent having regrets, both parties should just have their separate investment accounts while they do things together as a family. Both individuals do not having the same emotional control as one would want to sell while the other will prefer to keep holding therefore having separate investment accounts is a better solution to avoid arguments and disadvantages between the couples.

A couple can certainly invest in Bitcoin in the same portfolio at the same time. If a couple can deposit money into a bank account, then one of them must invest in Bitcoin and hold it in the same wallet. However, husband and wife should not hold their bitcoins in the same wallet but in two different wallets because in this case, if the wallet is compromised, then even if the bitcoins in one wallet are stolen, the bitcoins in the other wallet should not be hacked.

I will depends on the couple involved because if a husband and wife can have a joint bank account I don't see the reason why they should not invest in Bitcoin together one thing about marriage is trust I don't see the reason why you should not trust your partner not to the point of having the same bitcoin portfolio as couples it should be your primary duty to do things in one for the purpose of taking the family to the next level and investing in Bitcoin together is one sure way that it can be achieved.


Any couple that wants to invest in Bitcoin separately should be clearly split out and discussed amicable and it should be known that that is a personal investment and not the family that is the only basis that couples should invest in Bitcoin separately apart from that I don't see the reason why coupes should do things differently especially when it comes to investments

I would prefer to have separate portfolios. The wife is free to accumulate more, as well as the husband is free to go an extra mile to make his portfolio become huge and massive. That way, regardless if they stick together or file a divorce in the future, bitcoins are safe within their separate wallets.

However, if they wish to have another joint portfolio for their future children, I think that would be great. Seize while the iron is hot, as we cannot predict what will be the future for bitcoin.

Tbh, I preferred a different portfolio than having the same. Even we will get married, a financial status should be different also, of course you'll share the life you're having with her/him but it's better if your financial status is different like in the perspective of other people, if you're the one who really trades, of course the credits will go to you but yes, it doesn't matter to a couple but if you want that status, go for separate. If you really want some joint funds, then have a joint bank account, not on cryptocurrency, i had the same idea back then, sharing a same wallet for funds but of course the decisions are limited, you will always think about it not going zero and that's hard, you'll get limited in decisions.

I have never encountered a situation where my wife has not decided to hold on to Bitcoin. When my wife invests in Bitcoin and I also hold Bitcoin, my wallet and that of my wife will definitely be separate. If my wife and I have separate wallets, we can both pay separate attention to our wallets.

Moreover, if the wallets of a couple, a wife and a man, are combined, even if for some reason the wife does not have a relationship with her husband or the husband does not have a relationship with his wife. Then if someone cheats and takes someone's Bitcoin, there is nothing to be done. Therefore, it is a very good decision to keep the wallets of each person, whether husband or wife, separate.

But did you know that the way to maintain a strong and lasting marriage over time is to trust each other, and to do that, we need to share everything with each other. If each person has their own investment, it will unintentionally create mutual suspicion, causing cracks in the relationship between husband and wife and family. Family may no longer be happy but instead there will be calculation and jealousy of each other. Any relationship cannot last if money is put first in that relationship.

Furthermore, if both husband and wife think about the future of their children, they will never suggest or agree that each should have separate property. Only selfish parents who do not care about their children's future think about owning their own property.
I don't know if you are married, but I bet a child will never have complete happiness and comprehensive development without the love of one of the two. Therefore, before getting married and having children, couples should stop being selfish and think more openly.
Bitcoin is just money, and lost money can be earned back, but the future of our children, once lost can never be saved.

Separate portfolios does really give some freedom to do something beside conventional way of investing it also motivates each individual to do better than their partner which is a good way to motivate them to accumulate bitcoin ;D.

Although honestly, this all is just psychology, you can be having one portfolio for a couple and they can manage it together, using multisig if needed to ensure there's nothing weird happens ;D.

Most couples should have.

I would also want my partner to have her separate portfolio where she can decide which assets she wants to buy or hold. Unfortunately, she isn't that knowledgeable when it comes to investing that's why I'm the one deciding on which assets to buy, when to buy, when to sell, etc.

As long as both of them have knowledge in investing then as much as possible, they should have separate portfolio. That can be considered as diversification as well especially if you're focusing on cryptocurrency while your partner is focusing on other asset class like in Stocks, Bonds, Real Estate, etc. That would be safer in my opinion and at the same time, both of you have the freedom to choose which asset to buy instead of only one that's deciding on which assets to buy.

I think both of us shears thesame experience in terms of trying to educate our wife about Bitcoin and yet they fund it difficult to understand. I have equally tried my best to make sure she understands but the vibe is not there, she is always like do we need to do thesame thing at once? Why not you do for both of us? Afterall your money is my money, she prefers me to send her money in the bank than telling her about Bitcoin. She is just like that is not my kinda thing. I am just looking upto my daughter to grow so that I will introduce to her.

Totally depends on the interest of your wife/partner because if she/he's not that a tech savvy or someone whose that into technology or innovation and just that simply make use on whats currently available or simply speaking about traditional things then there's nothing you can do, specially if you've been doing this for a while but still it didnt have any progress then its better that you should accept that she's not into it. Instead on getting frustrated on which its better that you should be doing up some acts that will be that possibly might caught up her interest. You wouldnt know unless you do try and its up to you whether you do give up and just that waiting up for your daughter to become big and teacher her about Bitcoin and other related stuffs in regarding investing and its utility.

In regarding about investment then if your wife doesnt like it then there's nothing you can do. You can make that investment on your own and since its conjugal property then your wife wont be caring about on how much you've been investing since she knows that your money is her money so its not shocking that they will be having this kind of things in mind and just stay on what they are currently doing. On the time or moment that you do become forceful then this is the time or moment that they would get irritated and might cause up some quarrel or misunderstanding instead. So better mind your own business.  :D

It will be nice if couples invest in Bitcoin together since they are living together and share there income together, after all there expenses for the month or week and a discretionary income is lift they can use it to invest in there Bitcoin if they invest in Bitcoin separately I'm not sure they will succeed easily because there discretionary income will be very small except they are rich couples, if they are rich couples maybe the wife is working and getting huge amount of money as salary or she's a business woman and she's making huge amount of money and the husband is also very rich then they can decide to have separate Bitcoin investment and it won't stress them but if they are not rich I think coming together to invest will be more easy and less stressful they will succeed in it.
Well every couple has the way they do things and for some couple rich or not having separate Bitcoin investment will be better while some coming together to do it will be better, so one can't really say which is the best, only a couple can determine which will be best for them.

I do think it should be done separately, though.

After all, it comes to personal preferences / details regarding each couple in question.

Couples should have a separate Bitcoin investment, because we are couples now should not blind us to the fact that divorce can still happen there by causing a rift in sharing, they can study together, share ideas, make researches together but have a separate Bitcoin.

It comes down to the decisions of every couple that is interested in Bitcoin investment, what works for one marriage might not work for another. I don't think that it's advisable for married people to have a joint Bitcoin wallet, it's better if either of them have their separate wallets so if one seed phrase is lost or compromised the other will still remain intact. It's ok to have a joint bank account because your KYC details are with the bank and nobody can steal your bank account. Bitcoin is about self custody therefore it should be owned by one individual, out of trust you can decide to share a copy of your seed phrase with your spouse for safe keep.

The idea you said is also good even though a couple who have been in one house can also share important information with each other even though they separate every asset they have at that time. Because when one of them dies, the other party can still take or access the wallet containing the Bitcoin assets so that the Bitcoin is not stored in vain even though it is not directly combined into one wallet. And I think that is very easy to handle as long as a husband and wife can be open to each other and take care of their wallets so well.

Is it out of the basic knowledge of crypto or for building of trust would make couples think of investing in Bitcoin together? To the best of my knowledge, couples don't need to invest in Bitcoin together for financial goals because of the volatile nature of Bitcoin being unpredictable. They would prefer to invest separately so that they can have control of their assets without anyone's interference or knowing their worth

That is really interesting thought about husbands and wives investing in Bitcoin together. They live together and share their money it could be easier for them to invest in Bitcoin together after they have paid for their monthly or weekly expenses. If they invest separately it might be harder for them to save up enough money unless they are already rich. If they are rich maybe wife earns much of money or has successful business and husband is also rich then they might be able to invest in Bitcoin separately without any problems. But if they are not rich it might be easier and less stressful for them to invest together and have better chance of succeeding.
However for some couples does not matter they are rich or not it might be better for them to invest in Bitcoin separately. For others doing it together may work better. So we can not really say which way is best it is up to each couple to decide what works best for them.

I agree with this.  Sharing a Bitcoin account involves trust and knowledge of good custody practices.  The couple might not be ready or in the same mindset about it.

Trust can also be challenging if one partner is not responsible with finances and frequently makes poor spending choices.  What if your husband's financial habits put your family into thousands of dollars in debt, and you've paid down the debt on your own multiple times? Or, maybe your partner is responsible with finances, but has no interest in learning about Bitcoin.  If they have no interest and are unwilling to learn about safe custody and how not to get scammed, I don't think it's good to share a self-custody wallet.  Yet, I want my partner to inherit my bitcoin if something happens to me, and I still need to find a good way to do that.