[withinboredom]

With my wife, all our accounts are joint accounts, so we don’t need to ask to “borrow” each other’s money (there’s nothing more annoying than getting a phone call in the middle of a meeting with your spouse asking for 20 bucks). My wife and I have flip-flopped on who has the most money over the years. We still treat each other. However 95% of each other’s income basically goes in the central account for each of us. We have our own money to spend on whatever we want, and each a “secret” savings account for surprising each other for birthdays and Christmas.

Oh, and another thing about having our personal accounts being shared. One time, my wife was flying somewhere and I saw her card being used illegally. I was able to have her card cancelled for her, a new one shipped to where she was staying, with cash waiting for her at reception, before she even landed. If I couldn’t see her account, she would have landed with an empty bank account, and a huge stress bag to deal with. Instead she got texts as soon as she turned her phone on with a whole debriefing of the situation and details on what assets she had access to.