[lotsoweiners]

When I got married we ended up merging her acct (same brick and mortar bank) into mine and adding her on the acct along with opening a savings account . Nowadays we also have accounts with online banks that have high yield savings and part of our checks go into both banks. The online bank savings accounts has different “silos” that can be setup for various purposes soI transfer money into each of these monthly. My wife and I don’t do individual wants/splurges silos but this is a great place to save individually while still getting high interest.