Reply to Yours, Mine, and Ours finances-- how does it work in your house?

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[quote=Anonymous]We have a joint checking account that we deposit our paychecks into, but we also still have separate accounts.  I have auto deposits into my 401k, the kids' 529 plans and my brokerage account from my work paycheck, so only the net amount goes into our joint account.  I track my net worth on personal capital just as the money in my retirement accounts, the kids' 529 plans and my brokerage account.  We file taxes separately now (for cause) and I no longer nag DH about money because it's unhealthy for both of us.  We don't have any joint credit cards, and we mostly use our debit card from our joint account to pay for things. We have separate credit cards as well.  DH makes more and spends more, and I just have to do what's best for me and the kids for now and hope for the best with DH.  Honestly, separating things more after the first few years of marriage helped a lot.  It's just better to make auto investments from my paycheck so DH never sees the money, and it's better if his credit card and taxes are only in his name so he has to take full responsibility.  I also check his credit on a regular basis as a form of defense (for cause, based on past behavior).  [/quote]

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