text: Yaar, agar hum retirement ke liye ek joint account khol lein toh sab kuch manage karna asaan ho jayega, kya tumhe yeh idea sahi lagta hai?Haan, joint account se transparency toh badhegi, lekin dono ko regular contributions karne honge, warna ek hi taraf se sab kuch nahi chalega, samjha kya?