Does 401k have to be signed by both husband and wife?

In general, a 401(k) does not require both spouses to sign for contributions or withdrawals. However, if one spouse is the participant and the other is not, the non-participant spouse may need to provide consent for certain actions, such as taking out a loan or withdrawing funds, especially in community property states. It's advisable to review the specific plan rules and consult with a financial advisor or legal expert for guidance tailored to your situation.