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[quote=Anonymous]We're like the pp who has the separate accounts and part of it (a big part for us) is the accounting of it.  We have 3 accounts mine, his, and ours - but we are joint on all the accounts.  The ours account is where all the bills get paid.  we have joint credit cards and those get paid by the ours account too.  but the mine and his accounts are our free money.  We can save up to buy something expensive, or I can splurge on clothes or he can buy whatever he wants.

[quote=Anonymous]I guess my question is -- why do you need "Your" money and "my" money?

All our accounts are joint and I still buy whatever I want. [/quote]

It's so much easier to balance the books with separate accounts.  We both know I won't dip into the ours account to spend hundreds of dollars on clothes or jewels at the same time he dips in to buy some electronic.  How can you go into the joint account and pull out money for whatever without "asking" him if he didn't do the same or if there will be enough to pay the mortgage?  I don't get that part.  You have to coordinate or balance the books often or make sure you both don't wipe out the joint account.

we trust each other enough to not have to worry about what each other does with our own accounts.
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