Divide and conquer is an ageless strategy used to weaken one’s opponents. Some attribute it to Julius Caesar. Others say it was used to great effect by Napoleon. However, it doesn’t work so well in your marriage. Most couples see no reason to keep their money divided after marriage. But for others, combining checking, saving and investment accounts comes with fear and trepidation. Today on MoneyWise Rob West and Steve Moore have some helpful advice. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I have been told that it’s possible to get out of a timeshare by stopping your payments. Is that right?-I have a 403b and an IRA. I’m no longer with my company. Should I roll the 403b into my IRA?-I have about $70,000 left to pay on my condo and I have no other debt. I have a little money left each month. What should I do with it?-I’m thinking of refinancing my mortgage for a lower interest rate, but it will cost me about $10,000. Is that a good idea?-I’m living paycheck to paycheck, and I want to escape the cycle. How can I do that?

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