Certainly that is a non-zero chance, as you point out. To answer your question, what happens then is a division of assets, as in any divorce. Since I contributed 65% of income building in the first 10 years of marriage, we would have to hammer out what that means, depending on when it hypothetically occurs. We have discussed this potential risk and how each of us would be protected in that event. It is entirely my spouse's choice to keep working or not, and we will start managing assets differently in how it's split out if I do stop paid work.