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Originally Posted by Wormius
We’re not planning on divorcing or anything. I am just curious why it can’t be easily done and why it has been made that way. I can’t easily merge it into my or her account. Why is it like this?
I guess I can live with it, it’s just not a huge sum of money, but I wouldn’t want to pay the taxes on it either to just close it.
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It's just the rules and regulations. I can't give you a reasonable answer to why you can't do it, unfortunately. I think that ostensibly it's to keep track of who received the tax savings, because those are attributable to the contributor for a couple of years, however after that point you would think it would be a non-factor and you could just move the funds.