I don't think "owning together" is enough. I think the homemaker needs to own things outright. Solely in their own name, so that they can take it and walk out the door.
Like have their own retirement account, gold vault, Bitcoin wallet, etc.

It's a psychological thing, mostly, but psyche is important. 

 Absolutely. I now know that 

 🫂 painful lesson 

 All good. My children aren’t that young and we've managed everything.