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[quote=Anonymous][quote=Anonymous][quote=Anonymous]No kids, but....

We have separate checking and savings accounts, separate "play" brokerage accounts, separate credit cards, a shared savings account, a shared checking account, a shared brokerage account, and shared credit cards (in one name, but with two cards and considered the "joint" card).

We put the same amount of money into the shared checking account each month, which should be enough to cover our expenses, including all charges on the joint credit card. Groceries, travel, dining out, joint activities all go on this card.

If we have money building up in the shared checking account, we move it to the shared saving account. If there's a lot, we may move some to the brokerage account and buy some ETFs.

My monthly deposit into the shared checking account is about 68% of my take-home pay. So my remaining 22% is mine, to save, spend, invest, or sometimes put toward large expenses that we need to pay.

There's no "splitting of the bills"--they are paid out of the joint checking account.

And yet somehow despite being heathens who haven't merged all our finances, we are happy and very very well off.
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[b]No kids, but..[/b][/quote]

Why would it be any different with kids? Money still into the joint account, joint account still pays all household bills. With the assumption that kids are part of the household and a joint expense.

The biggest difference would just be a much larger slice into the joint account, and a smaller amount left in personal accounts for non-household spending.

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