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[quote=Anonymous]It comes down to what works for a particular couple, doesn't it?  Why make it more complicated?  We all have slightly different circumstances.
DH and I have joint accounts in the sense that both our names are on all accounts.  We have separate accounts in the sense that our paychecks are deposited into two different accounts, consistently.  This works for us b/c my pay is rock steady while his fluctuates.  My pay goes toward fixed expenses (ie, the mortgage and car payments are the same each month) and his go toward more "flexible" spending such as additional contributions to savings, extra $$ to daycare, groceries, gas, incidentals (ie, we can scale way back if needed, during a lean spell.  We have done this and not had to worry about paying the mortgage - which is a big reason why we keep them split in this manner.
You could argue that I'm paying more of "the bills" but in our minds we are both responsible for everything.  We've tried other systems over the years, but this one consistently WORKS and eliminates bickering (money fights were a big source of contention in our early years).  Now, someone will probably tell me that we're doing this all wrong, but our bills are paid, we sleep at night, and we've eliminated a major source of conflict in our marriage (and have not replaced it with another :-) ) [/quote]

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