so true. One of the things in my friends plan was that if all the assets were in one spouses name, the ex spouse with no assets could be in trouble. What if the one with the assets started having mental issues, or dementia. They could do something crazy like change the will to someone else, or leave all their money to a cat shelter and the assetless (kind of a crazy word) spouse could have little recourse, if any and would be screwed if the ex spouse died if they needed the house to live in, say. Would require trust and luck.