[pests]

Technically yes you are correct.

But the intention of your parent was "when funds start to co-mingle or you get more complicated accounts" and saying "Don't co-mingle" doesn't help answer the question for those who do co-mingle and asked for help in this thread.

[stirfish]

"you don't have to comingle" is a fine solution to the comment I replied to

>The short answer is that my wife and I have different opinions about how to track data.