My mom already "owns" whatever money my dad makes and vice versa. They file jointly and have partnership+joint accounts. This has been the case for 40+ years. T

My mom already "owns" whatever money my dad makes and vice versa. They file jointly and have partnership+joint accounts. This has been the case for 40+ years. The money won't go to her when he dies. It's already hers. I see what you're getting at but that's a bad example.