Informed FDH not to rely on my tax return for next year, that it will be going into an account in my name that he will not -Ever- have access to. He asked why and I simply stated I will never turn into either of my Grandmothers (God rest their souls), My aunt (56 years old, no education outside of HS, no job in 20+ years, and recently divorced) or His Mother (Also divorced and while she is a sweet lady, also has no prospects or a way to support herself besides the meager disability check she gets monthly)....I will never put myself in that situation.

He agreed, I then asked him to do the same and start his own nest egg apart from our shared resources. I even THEN asked him if he would be willing to sign a Pre-nup agreeing to the above mentioned stipulations.

He said yes.

I'm trying my best to be smart about this, am I going about this the right way? Or instead of savings do I need to do like a Roth IRA or CD or?