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[quote=Anonymous]We keep separate accounts just because its more practical. We got married in our late 30s when we had already established credit, accounts, retirement savings etc. We set up one new account that we bay all our bills and expenses from each month. We both transfer roughly equal amounts of money into this account. Sometimes I transfer more because I make 50K more than DH. The one joint account makes it easier to look back and see what we are spending to budget plan. We also do it for general security. We maintain some savings in the accounts that our paychecks go into but the only deduction is the transfer that we do into the joint account. We do on-line paying and some automatic deducations from the joint account and do not maintain a substantial balance below what we need. If the account was ever compromised from any of the on-line payments the impact would be less. I didn't change my name either because frankly in your late 30s it would have been a PITA. Back when people got married in their early 20s, had very little credit history, work history and nothing it would make more sense to create joint accounts. [/quote]

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