Hi need advise from any of you who are better learned in personal financing.

My wife and i pool our income together every month. Currently, all housing and personal loans are under her name which make up to almost 80% of her income. Myself on the other hand only paying for 2 cars which make up less than 30% of my salary.

My question is, how to balance out the burden between us so that if i was fated so go first she wouldn't have to bare most of the burden.

Can loan be transferred to another name? Is there any other way?

that i already have. those will be used to sustain living otherwise going to be used up for clearing loans only. the issue is the huge imbalance of commitments between both of us