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[quote=Anonymous][quote=Anonymous]I just don't understand why people dont have joint accounts

When you married him, you took on his obligation to his other daughter as well.

[/quote]

This sounds like someone who has never married into a blended family or dealt with a spendthrift spouse.

Separating accounts and tax returns saved my marriage (DH also has older, now adult kids and a spending problem).  At first, I tried to "fix" DH and his overspending problem, and as a result I lost all respect for DH and I felt hopeless about my situation, so in a last ditch effort to save our marriage before filing for divorce, I stopped filing joint tax returns and started directing a significant portion of my paycheck into savings for my retirement (as I have always done before we got married) and our child's college.  We also have a joint account for joint expenses, and DH pays at least his share of our expenses like our mortgage, child care, food, utilities, trips, basically everything we spend money on together.  He can do what he want with the rest of his income and so can I with mine.  This freed him from my angst over his spending but also forced him to take responsibility for his spending.  I monitor his credit and we don't have any shared credit cards.  We both make at least six figures in any given year, so that helps a lot.

You have to figure out what works for you guys, but the current solution is TERRIBLE for you and your child.  As a couple, you need to be saving for retirement and her education.  These are both nonnegotiable for me and come before any kind of luxury spending on anyone in the family.  [/quote]

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