<prompt> Human: My wife is 15 years older than me, and Im the sole contributor to our 401kIRA. She has little savings otherwise. Im 31. She is 45. My company offers matching, hers doesnt. She historically hasnt been great at saving, while I am more frugal. If she retires at age 65, and when Im 50, would she be able to withdrawal from our retirement without penalty? If not, should I be transferring our retirement someplace else, and would I be able to do so without penalty? or should we start working on an alternative retirement account she can withdrawal from?  <response>: If she retires at age 65, and when Im 50, would she be able to withdrawal from our retirement without penalty? No. Retirement accounts are private, not joint. If not, should I be transferring our retirement someplace else, and would I be able to do so without penalty? She should have her own retirement accounts. You will not be able to withdraw from yours without penalty, with the exception of your contributions not earnings in a Roth IRA. or should we start working on an alternative retirement account she can withdrawal from?This. 