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It is absolutely possible to show that a bank account is lopsided - if one party contributes $1000 per week and the other $10; if one has only been a party to that account for a year and the other for 30 years…
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That is risky business. If the weekly contributions are from earned income during the marriage, then many states, if not all states, will NOT look at those dollars has “his” and “hers”…those states will look at that account as equally owned by both spouses. If a spouse came into the marriage with $XXXXX and wants to preserve that, he/she and/or spouse should never contribute “marital earnings” into that account.
In many families, only one spouse is the earner, and therefore the only one contributing to a savings acct. Yet, that account is going to be considered to be a joint asset. I’d like to see a spouse claim that the savings acct that was built during the marriage from only his (or hers) earned income, is only his (or hers). My H retired last year. His 401k is only from his earnings, but it sure isn’t only his. lol It is half mine. His pension is half mine as well.
Homes are different than savings accts. It’s easy just to open a new acct for joint money. That’s not the case for homes. Yes, a spouse can own home, and then marry, and then the increase in values can be shared.
Anyone coming into a marriage with savings/investments (or later getting an inheritance), really should keep those dollars cleanly separated.
I doubt that H is going to do forensics to see who contributed what over a period of years. As their instructions state, when a clear separation isn’t obvious (like an inheritance that’s been cleanly kept in a sep acct), the dollars should be split.