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The rich have the same concerns about their financial future as everyone else — with health care topping the list — but they disagree sharply about who wears the financial pants in the family.

A survey by Spectrem Group finds that 53 percent of millionaire households indicate they make decisions about financial matters together. But drill down a little further and it turns out that only 43 percent of the men are saying this, versus 74 percent of women.

An aging issue

George Walper Jr., president of Spectrem, noted in a release that although there are differences in perception between men and women about who wears the financial pants, “those differences can be seen in the age of investors, and whether there is one income in the household or two.”

Among two-income households, 60 percent agree that they share financial decisions, while 33 percent say the husband bears the most responsibility.

In households where spouses are under the age of 35, 61 percent share financial decisions, compared to 52 percent in the 65-and-over set. Among all millionaire households, 6 percent say the wife is responsible for financial decisions.

The biggest fear

Health and health care are by far the top worries expressed by the wealthy, followed by the ability to retire on their own timetable.

Nearly half of the rich worry about spending their old age in a care facility and 45 percent fear they won’t have someone to care for them as they age. Forty percent of the younger respondents worry about caring for their aging parents.

How do the rich invest, save and spend? Learn from the financial experts the secrets to building wealth.

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