said by FourWheelKid:>Saving: While the game *does* autosave periodically, to save manually, you'll need to go to the character's safehouse (denoted by the house icon on the map in the pause menu) then go to bed when prompted.
Not true, you can save anywhere from your phone.
As for having two live accounts, you do need two Gold accounts to play online. If you and your wife won't be playing online at the same time, I'd suggest creating two different online characters on the same account. You can have up to three in GTA5.