Cat

You mean a safer 11%+ than a riskier 3%? 

Actually Mrs. SFI has read two well-written books on the subject and has a much better understanding of why she's invested the way she is than most spouses. This is a big  and major pat of why I have worked to ensure that a reasonable approach to investing does not end when I do. 

I invest based on factual data. My wife has the same formulas to apply systematically when I am gone. Yours? 

Since you use only "IMO" with no supporting evidence, I wish your wife well. It is truly unfortunate, but in no way surprising,  that you did not plan ahead for her. She likey deserves better.

SFI