Ladies who got married in their thirties, how did you handle finances after getting married?

We have one joint account and pool everything together. No difference between his money and mine.

We keep separate finances and have a joint account for family spending

We had separate checking accounts some joint and some separate savings accounts, and considered all $ fungible. I paid mortgage and most bills because I got to them first. Never paid much attention to it since we lived in community property state. But, I made sure to keep inheritance from my parents in separate accounts.

My husband pays the mortgage and I pay utilities/food. Since I’m the cook it works out better cause if I’m too lazy to cook it only hurts me. We shifted from a low to high mortgage (his solo property v a joint home) so for a while he had the better end of the deal, but now I do

Joint accounts / finances, except that I keep the bit of money I came into the marriage with in a separate account (although we end up managing everything holistically). I’m in a community property state anyway, so the joint account makes sense. I was the primary breadwinner for a long time and currently the sole breadwinner. Spouse handles bills and investments because he has the time. Keeps me well informed and consults on major decisions and spends. It works for us because we have similar spending approaches, good communication on finances and lots of trust.

Finances kept separate bc it was just too much of a pain to combine them. We try to evenly do family expenses and each have specific automatic checking account deductions set up. Like I pay our daughter’s private school tuition, groceries, cable bill, car/house insurance, water bill; he pays mortgage, electricity, smart tv apps. For big things like vacations one of us will typically book the vrbo and the other will probably book the flights. If needed sometimes we Zelle each other money if one of us needs more for any reason. We earn similar incomes, so overall this has been working for us for over 15 yrs. :). I think the only “joint” account is our daughters college fund, which we each automatically pay into monthly

Separate accounts but a joint credit card for shared expenses. We split everything 50/50. And a small joint high yield savings account where we basically plunked wedding gift money and haven’t decided what to do with it yet despite being married 5 years now 🤣

Pre-nuptial (or post-nuptial) agreement to keep things crystal clear, even if property gets comingled. (It can always be updated later if folks want to change the structure.) Then establish your accounts to mirror this.

Personally, we have a combination of separate and joint accounts, but that's mostly for convenience. We have the separate accounts we came to the marriage with (and can't be bothered to retitle), and most of the new accounts (and funds) are held jointly. Easier to manage and full transparency. And I have the comfort of knowing I have a few accounts sequestered away if there's a Big Problem later on.

We also have separate finances and split all joint expenses 50-50.

We have a joint account where we pay most of our bills/expenses and we each have separate accounts and get a monthly “allowance” into our separate accounts to do with as we each please.

All joint finances. Separate accounts still, but I have access to all his accounts and use them interchangeably to pay our mortgage and other bills.

One joint and two separate accounts. Separate credit cards. Separate airlines we both have status with so when we fly on either one we get perks 🤣