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I’ve seen too many relationships go south even after a decade. A joint account is like handing someone a blank check to your trust. What if they overspend? What if priorities change? Keeping money separate isn’t about love; it’s about practicality. Why risk financial entanglement when splitting bills works just fine? Some things are better left untangled.
I’ve been married for 9 and together 12 and we only have one joint account to pay for the kids pre school expenses. I have access to his accounts since they’re housed at my work, he doesn’t have access to mine but I’m transparent with balances, he just isn’t interested. Are separate accounts working? Don’t fix what isn’t broken!