<prompt> Human: Does anyone know how marriage affects retirement?For example, I am on a 401K and my wife a 403b. We are just starting out recently graduated college and plan on looking at other retirement venues in the future after we have student loans paid off.I was wondering what are some of the things about retirement and marriage that everyone should know?For example, Im 4 years older than my wife and the likelihood is that I will pass on before she does. What happens to all my retirement funds that I accumulated after death? Does the funds start going to her? Would it be taxed I realize tax depends on what type of retirement fund is used.Are there such things as joint retirement accounts? Ive tried searching on google about it, but there wasnt much about it, so I assume that there isnt.  <response>: AFAIK, all tax-advantaged retirement accounts are individual. You cant have a joint Roth, 401k, etc. But tax treatment upon spouses death is quite kind. Definitely better to have money in an individual tax-advantaged account than a joint taxed account. 