Married folks - what are your and your spouse’s financial accounts like? Everything combined? Everything separate? Separate with a joint account where you each add a % of income for shared bills?

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We each have separate checking accounts that our paychecks are deposited into. We transfer cash into a joint checking account for household and joint expenses and the rest goes to joint savings.

We were older when we got married (35 and 43), and I think that makes a difference. We had had our own independent lives for along time before we were a couple.

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Household account to pay bills, family leisure, kids activities, groceries,gas, etc. We each get an “allowance” per month to spend on whatever - no judgement, arguments, etc from the other. Been doing this for 10 years and works well for us. Has changed the phrase “how much was that” to “that’s nice/pretty/where did you get that” when it comes to discretionary purchases.

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Completely separate. I don't need her seeing how much I spend on hookers and blow.

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What’s her’s is her’s and what’s mine is her’s.

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Wow, I see a bunch of poor husbands in this thread, where do I get one of these working wives so I can chill?

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Everything combined. We have nothing to hide from each other. I guess that makes us traditional. I see more and more newly weds going the separate account later way though and I just don’t understand it at all

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EY 1, I’m not married but can tell that financial reasons are often one of the most frequent when it comes to a divorce. If things can be managed from the financial side well, that might be a key to success of a long marriage. Things happen and sometimes people you love will do stupid stuff. It’s better if you can prevent them from harming you.

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Joint accounts on everything. Not sure why a married couple would choose another way. Everything you own is in the marital estate regardless of whose name is on an account. Assets in a separate account are not shielded from a divorce proceeding.

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PWC2, my husband and I have a huge discrepancy in pay (I make $150k more a year than he does), so we each just put into the joint account what we can. It’s a set amount each month so we can budget household expenses.

I like having my own account to buy stupid shit for myself or gifts for him or my family. Same with him. He gives his mom a certain amount each month and that comes from his own accounts. I buy my nieces and nephews (and parents) presents and stuff from my own accounts.

We each make a nice living and money is never a problem for us, so this works for us. I think if we were younger and more on a budget, we’d probably combine more than we do now.

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No. The key to a long marriage is to end every argument with "I'm sorry [insert wife's name]". Everything combined for us. Were a team and act like one.

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All combined. Don’t have to stress over who has money in other accounts and who covers what. I felt like things were more comfortable for us when all was together - full transparency

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Everything combined and financial decisions are made together. Not sure why you would chose it to be separate. You’re assets are yours together and you need to learn how to communicate and respect each other when it comes to tough discussions and decisions like finances. Separating them is just putting a bandaid on a problem that you couldn’t work through together and will eventually bubble up again

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Separate but only because we were both established prior to getting married. We make all major decisions together and both contribute to the bills. I have been married 13 years and the separate accounts have never created a problem in our relationship

Either way you go OP does not matter as long as you agree and work together.

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How do you divide it though? Equal “allowances?"

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You have some ...interesting... spending priorities

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One of my professors said that the key to a long marriage is to have separate bank accounts!

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Everything combined. Wife makes double me, gotta make sure I have access to that

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50% in my own, other 50 goes to joint account.

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Separate. It’s a pain in the *** to change direct deposits, bills, etc. We pay each other for certain bills and spend and save what we want. We never make big financial decisions without the other. We’ve been together 8 years, married 1....works so far. We’ve talked about joint accounts but haven’t found a bank worth switching to that makes sense to change all our other direct payments

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Not in PA cause one of us definitely can’t support both of us ^

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