married 15 years - dual income

Household checking (all money goes here)
Household savings (X% from paycheck goes here)
2 Allowance accounts - walk around money each spouse gets same amount.
Household credit card
529s for kids
various IRA, old savings accounts, stocks, 401ks from life that need to be combined.

I am a big fan of all the money goes into the household account and each spouse gets the same allowance. When I married my husband he made twice as much as me. It was his idea. It took awhile for it to grow on me. It removed the power of the money.

The pay gap as since closed. But, as the economy has been bumpy over the last couple of years, when we know that our companies are facing lay-offs (and when one of us was laid off) - it was still our money and we worked in the household together in the partnership that is marriage.

One checking account
One savings account (emergencies)
One joint brokerage account
Various Retirement accounts (IRA, Rollover 401K, SEP IRA)

If we could consolidate more, I would, but this is the simplest I can get it to.

2 checking accounts, no savings accounts. Our short term savings are in money market funds and very short term bond funds.

2 joint checking accounts -- 1 that the paychecks come into, and all the bill payments go out of; 1 that I transfer a set amount to each pay period for groceries and discretionary spending.

1 joint savings account.

We have a checking and savings account at a traditional bank (for regular expenses and and a small emergency fund).

Then, at an online bank, we have about 9 separate accounts: Large emergency fund, tax account for estimated taxes, a holding account before funds are swept off to a brokerage, and a bunch of accounts for targeted savings (car, insurance, clothes, large purchases, home repairs, property taxes, and a few others. It's just easier to keep the funds segregated, and it doesn't cost anything.

Let me start by saying that my situation is complicated.

1 checking at primary bank for me
1 savings at primary bank for
1 checking at primary bank for him
1 savings at primary bank for him
1 joint checking at primary bank for us
1 joing savings at primary bank for us
Checking and savings for each child at a different bank
Third bank has an additional checking for me
Fourth bank, near work has a checking and savings for me
Fifth bank has a checking for me
Sixth bank has a checking for me
This excludes 9 checking accounts for primary business, 1 additional checking for a different business, 10 additional checking accounts associated with llcs ( some have savings accounts attached too). These are at the 6 banks above, plus 3 others.
Plus fund held by my property manager.

I have a staff accountant and CPA and it still complicated, and that is after I condensed them.

One checking and savings at our regular bank. All our bills get paid from the checking account. The savings has a small buffer in case we go over during the month, although that's never actually happened.

Two savings accounts at an online bank that earn a better rate. One is our emergency fund, and the other is short-term savings where we save for big items like car repairs, house repairs, etc. So, four total.

We have multiple accounts too. And since we also havent merged accounts, we actually have 5 total. DH has 1 checking and 1 savings. I have 2 checking and 1 savings. All accounts are technically joint. This doesnt count 529, retirement, investment.

We have checking and savings accounts at a credit union and a checking and savings account at a bigger bank with convenient branches, and an online savings account.

One paycheck goes to each checking account. The account at the big bank is the primary bill paying account, with the other account being tapped as needed.

Even though all the accounts are joint, we've actually found it easier to save and keep track of money if there are two accounts.

We separate our accounts like your husband. Multiple accounts don't work for everyone but it does for us.

4 checking (1 original acct, 1 opened for student loan, 1 at my work, a bank, for reimbursement purposes, 1 for a higher interest rate)
1 saving (joint, for household expenses)
1 investment acct

We have too many accounts because after 2 years of marriage we haven't finished merging everything. Ideally we'll have
my savings/checking/credit card/retirement
his savings/checking/credit card/retirement
Joint savings/checking/credit card
Joint investment account
My employee stock account + corporate credit card

Our savings is in the joint checking and joint investment accounts. We're pretty focused on buying a house soon so we don't have all the buckets you described but I think a program like Quicken would allow you to manage multiple savings goals from 1 account.

Single and mid 20s

1 checking & 1 savings at same bank
1 emergency savings online fund I haven't touched (thats the plan....)

+ retirement through work, + TDA

Joint checking for all of our day to day spending
Joint savings at same bank as a "float" in case checking account us ever short
Custodial savings account for our daughter
529 for our daughter
Individual small savings/debit accounts for our monthly "allowance" (we each get fun money that's ours to spend, no questions asked. This also has to cover lunches, eating out, etc)
Individual online savings accounts for other liquid savings


Plus retirement investments, but those are off limits do I don't really think of them as day to day accounts.

My DH insists on managing the books as it were, but I find his methods questionable.

He's opened 3 different banking accounts to manage kids' tuition, household repairs, and our original one for the regular bills, e.g., grocery, utilities.

A separate one for the kids' schooling seemed reasonable, but I think he's going to drive himself crazy trying to manage the funding in the third account. Personally, I think we just need to keep better tabs on our spending and not another account.

What do others think? TIA.

(Also, knowing the DCUM nature, snarky comments on affairs or hiding money may make you feel better to post but won't actually answer my question.)