So if you have Bht9 M in the bank, why not start transferring some of it to the Mrs now, and every month. Keep the ATM card though. Or you could up your daily limit for a few months.
I thought opening a joint account would solve this thorny issue of my wife being able to automatically access my funds should I die. That's when the bank said that from a legal standpoint ....not so. Probate first. that's when they made the ATM card suggestion and said ' who's to know ? This was at a BB branch. You know how it is here. A different branch might have told me something different.
So now the bulk of the money is in a safe........sorted. Not like I'm losing much in iterest rates.
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