Reply to Best way to divide money when you’re married?

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[quote=Anonymous][quote=Anonymous]I do think a bunch of separate accounts can result in not meeting financial goals.

My in-laws manage finances separately and now at retirement one spouse has individual accounts with plenty of money and the other spouse does not.  [b]One is a spender one is a saver.[/b]  All individual account accomplished was avoiding tough conversations about spending. [/quote]

Separate accounts always person here. There are types of expenses DH pays for, and types I pay for.  But, we are both savers and agree on our end goal, which is to maximize what we leave our children. It likely doesn't work if both aren't savers and agree on the ultimate goal.

The major area of disagreement we have is how to invest.  By having separate accounts, each invests in their own way.  DH is a real estate and bank deposit person, and I am an equities person. Neither would convince the other which is the better path. Although we both make about the same amount, I am definitely ahead in investments, but combined we are more diversified.[/quote]

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