We have a joint account for just about everything but also separate accounts because we both have schedule C income. I manage the joint account and pay most of the bills as I’m very detail oriented and my husband isn’t. I don’t recall us ever having an argument over money as neither of us are big spenders. My husband, now retired, was very successful and when our joint account got over a certain amount it would move into our investment accounts which he manages.

We've done it your way and I wish we hadn't. I wish we'd just made everything joint. I hate wondering how much money my. husband is spending on alcohol, etc.

We do separate everything (except joint on both homes). We both have high equal incomes. Financially comfortable. Works for us! Married 30 yrs. Life is good!

30+ years together and no joint account but we are listed on each others accounts as POD.

We also have separate credit card accounts.

I do end up seeing all transactions because I do the data entry into financial software to track spending/back reconciliations.

My parents recommended doing it the way you are OP. It's nice to have one account that you can save up in for individual purchases. Over time, it's hard to know what falls into that bucket though? But you have awhile to figure that out. For us, it used to be work lunches out, hair, gym, personal hobbies.

$1000 each time you have sex.

It doesn’t sound like you have kids yet. It became joint everything once I was pregnant. We became one unit.

We know people who do it like you. Others have separate finances forever.