Do you combine income/accounts with your spouse?

We have a joint account for expenses related to our daughter, house, and things we like to do together, and then separate accounts for anything personal to us as individuals.

Joint account and separate accounts. We each transfer the same amount into the joint every month, and pay for household and child expenses from the joint.

We don’t. We consider all money “our” money and both have access to each others’ accounts and are both named on each other’s accounts. But it just feels easier to manage if it’s separate, I think because we are both terrible at budgeting. We’re each responsible for different bills and we can transfer money to each other as needed. If either of us wants to make a big purchase we consult with the other. But if I want to get my nails done or something, I’m only limited by what’s in my bank account. If it’s been a little tight, I can wait. Same for him, if he wants a computer game or something, he budgets his own money for that.

Yep, personally can’t imagine doing it any differently it seems so complicated

Yeah. We live in a community property state and didn’t sign a prenup. Doesn’t make any sense for us to split.

Joint accounts, joint budget. I think it’s a million times over worth the awkward conversations to have transparency and helps build wealth.

My husband has been married before - separate everything, he paid for everything except she kept her paycheck for “play money” (clothes, shoes, partying). She still took half the money in the divorce and he still had to pay half the credit card debt she ran up.

We also have friends that have been married 15 years and Venmo each other for dinner and check out with two separate baskets at the grocery store. It’s definitely a WTF moment every time we travel together.

Nope. We have one joint credit card but everything else is separate

Yes. I wouldn’t personally do it any other way (and wouldn’t marry someone I don’t trust with money because financial security is really important to me).

Yes… we got married young and didn’t have any money, and now we have built wealth together. It helps that neither of us is “bad” with money, we are both pretty frugal and will discuss any and all larger purchases together.

Joint household account for household expenses, separate for everything else, including taxes. This keeps us from fighting over money (normally incredibly stupid fights), which I will happily pay to avoid. 13 years married, 24 years living together.

We keep separate personal accounts and one joint savings. My check doesn’t go into the savings but instead we split our joint expenses such as mortgage, utilities, groceries. We have different income levels and I don’t want to micromanage his spending and vice versa.

Not married, but we have separate accounts. The reason for this is that we are both divorced and have gotten screwed over financially by our former spouses. Live and learn.

Everything is combined. We didn't have anything when we got married and it has always been a team effort. I manage the money for the most part, but we always have discussions about where money is going, what's coming up, who needs/wants what, etc. We have all the same cards too, but one is "his" to keep track of and pay, because I don't use it, and another one is "mine" that he doesn't really use. It works out for gifts because then he doesn't have to worry about me seeing things early. When we go out he generally gets his card out to pay, but it's all coming out of the same pot.

We are 100% joint everything. Honestly I’m too lazy to keep track of separate accounts and coordinate that. We make similar salaries and neither are big spenders, and we’re great at talking through big expenses or “wants”. Also he handles all the investment accounts because he enjoys it and I do not.