<human>: As the title states, my wife and I want to save 20% of our gross income for retirement, not including any employer match contributions. Combined we make $140K - I make $77K and she makes $63K. Here is our current breakdown:

-- I contribute 7% to my 401k to get my full employer match. 7% of 77,000 is $5,390, or 3.85% of our total $140K gross.

-- My wife contributes 2% to her 401k to get her full employer match. 2% of $64,000 is $1,280, or 0.91% of our total $140K gross.

-- We both max out Roth IRAs, $11,000 - this is 7.86% of our gross.

-- I max out my HSA. Max contributions allowed per year are $6,550, but my employer contributes $1,000 each year and I don't want to include employer contributions in this number. So, $5,550 - this is 3.96% of our gross.

Adding all of these percentages together, we are currently contributing 16.58% of our gross to retirement, so we need another 4%. The obvious answer is to increase contributions to our 401ks. Here's where my question comes into play: my 401k is fantastic, it has an excellent fund lineup with a ton of low expense ratio Fidelity Spartan funds. My wife's plan is horrible - limited fund choices, and the only fund with an ER below 0.4 is a bond index fund, everything else is higher and the target date funds are astronomical (1.25ish).

Since my 401k is so much better, should I just increase my contributions to my 401K to get us to 20% savings? My wife has expresses concerns that she (on an individual level) is not contributing enough for retirement, but we share all of our finances, so I figured retirement wouldn't be any different. She's listed as beneficiary on all of my accounts in the event of my death, and if we get divorced (very unlikely, but should be considered) I assume we would just end up splitting everything.

Condense the text into a few key points
<bot>: when saving for retirement as a married couple, does it matter if the savings rate is skewed towards one spouse? Is there any risk for the other spouse that is not contributing as much?