I have a pretty basic question: When you balance and monitor your overall portfolio, do you have just one "pie" per se with various percentages, or several "pies" according to the following categories:
1. Taxable regular investment
2. Tax deferred investment accessible at 59.5 y.o. or through 72t
3. Tax deferred but no age limit (457b plan)
4. ROTH
Being the lazy one, I want to just keep one pie and adjust from time to time, the majority of the investment being through DCA. DH, however, wants to have four separate pies. His reasoning is that they all have different purposes and we should be strategic about when to withdraw from what pie.
However, I have no idea then how to structure each of these four pies, even thinking about it gives me a headache. I feel that since we are in the accumulation stage, it really doesn't matter, and we can adjust between the pies when we come to the point of retirement.
So what do you think? (And step two of the question is, if I am right, should I compromise to maintain marital harmony
)