[citizenpaul]

I think you are understating the value of having a similar mindset. If I gave my SO full access to my money we would be broke in a week. She is utterly incapable of controlling her spending. Oh that $6000 couch we bought two years ago got a scuff so I got a new one. Its cool they gave me a $500 credit on the $8000 couch I replaced it with so it was basically free... Long term planning is not even possible for her, she spends ever dime she makes. Every lump of money has a list of earmarks that are already spent before she gets it saved.

I guess my point is perhaps it is less the separate bank accounts and more the incompatible mindsets that lead to the divorce.