"You can have his, and hers and our money. You can have his, and hers and ours everything. And if you get stuck, because you each want to keep your own, you can hire a third person to do everything," she says.
But the best decisions about merging assets or advisors are not always the most rational ones. Moriarty's insurance agent told her on numerous occasions that it would be a lot cheaper if she and her husband got an umbrella policy with one agency, but they've wanted to keep everything separate. She says she liked her agent. And her husband said he liked his. They compromised and put both cars with her agent and the house and the umbrella policy with his agent.
"The most practical is not always the best emotionally," she says.