<prompt> Human: My wife and I are both in our early 30s. She works for a company that has a 401K plan, but doesnt have great investment options and doesnt have a company match. She really is not into investing so she rarely pays attention to what she is invested in. There have been times when I have checked up on her investments only to find and she had been contributing to a Money Market like account that had almost zero returns and she didnt even know it. I on the other hand work for a large financial company that specializes in retirement plans, because of this I have a great 401K with many investment options, and my company actively manages my account with no fees since I am an employee. We both currently contribute 15 of our salary to our 401Ks. My question is are there any negative consequence to my wife stopping contributing to her 401K, and me doubling my contribution from 15 to 30? We both make about the same so the amount being invested should be be identical. The only thing I can think of is that I might max out my 401K early in the year so I would need to choose a that would not have me loose out on any company match. But are there any Tax reasons, or other things like that I am not thinking of that might make this a bad idea?  <response>: There is a maximum contribution per person for 18,500 so I dont know if changing it will exceed that for you. This maximum doesnt include employer match. The other thing that you should consider is how a divorce would affect your 401k vs her having her own. 