Reply to Joint Checking/Savings Account for Couple?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We use joint accounts.

Anecdotal, my impression is that 80% of my married friends use joint accounts and 20% keep their money separate.

But I am not sure I know any couples that put their money into a pooled joint account and then transfer it out to separate, individual spending accounts (except for one case where the wife is doing it in secret).

Is there a reason you don't just want to operate out of a fully joint account? It sounds like it would make your life easier.[/quote]

OP here. I would actually be fine with just doing everything out of the joint account, but he says he doesn't want to pay for my student loans. And he loves to shop (e.g., all the gear you can imagine for the camping trip he takes every other year), so it's probably best for me to be unaware of how much money he spends on things that I don't consider necessary.

And 15:42 - I'm in awe that you can make that system work!! I'm basically trying to minimize the need for me to ask him to chip in or otherwise contribute more than he already has, since most of those conversations end up in an argument.

Then, maybe the real problem is that he's just not as concerned as I am, and he'll go days and weeks without checking on our accounts, knowing that I'll take care of things, and restructuring how the money flows won't solve that.[/quote]

His not wanting to pay for your student loans is just...well...a financial version of semantics.  Pregnancy brain is keeping the word from me.  Anyway, whether "he" pays or "you" pay, you two are a married couple.  Everything goes to the same place anyway. If it makes him feel better to have student loan $$ come from *your* account, well good for him. But at the end of the day, its all your joint money anyway.  Because student loan payments is taking away from the good of the whole family, not just you.[/quote]

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