You don't have to go all-in, but a common wallet is very useful as a wash account for common expenses.
Having an account just for expenses, with no overdraft, that's usually at $0.00 balance is useful for other purposes too (ACH pull is dangerous! Especially when everyone who has ever looked at your check can do it)
Having an account just for expenses, with no overdraft, that's usually at $0.00 balance is useful for other purposes too (ACH pull is dangerous! Especially when everyone who has ever looked at your check can do it)