We see this week that household debt is 150% of income and are urged to do more financial planning. But maybe we are unable to meet our costs or save because there's something government could do that it is not doing.
What about taxing households less, admitting that sometimes the earnings spread over several people? The Supreme Court in the 1990s ruled that income on property and assets of marriage
should be split on divorce to recognize the contributions of both partners. During marriage, however, couples are still taxed as if they don't share.