I want to invest $100,000 in dividend-paying stocks, but my wife doesn’t. How do I convince her?

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Have a question about your own retirement savings? Email us at HelpMeRetire@marketwatch.com

We maintain several escrow accounts for unusual purchases and annual bills, such as insurance and taxes. Our home and car are paid in full.

Money is a tough topic to discuss and can lead to emotionally charged conversations. Everyone approaches money differently. If they watched their parents or grandparents struggle to pay for everyday expenses, that would obviously have an impact on them. Other people may have seen their loved ones lose money in the stock market, so now they’re afraid to try it themselves.

“ There is one critical component missing from your letter: Does $100,000 represent all of your savings, 50% or 5%? ” A financial adviser can help you both figure out your risk-tolerance levels, as well as provide stress tests on a portfolio to see how it may respond to various levels of risk, according to TD Ameritrade. You’d see if you’re really comfortable exposing your portfolio to risk, and she can see how your assets would survive the stock-market rollercoaster.

 

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