[mrweasel]

While not in the US, I think this can work everywhere.

We have one account, where salaries are deposited. This also doubles as a savings account, and the account from which all none-debit card payments are made. There is no debit cards associated with this account.

Then we have a personal account each. These get a fixed amount transferred to them each month, if that isn't enough we'll manually transfer whatever is needed from the joint account. We have a debit card each for our personal account, but not each others. This is mainly so we can get each other gifts without revealing what it might be. It also seems a little abusive to be able to keep taps on your partners spending.

We might need an actual savings plan in the future, but probably won't be needed until the house is renovated.

Once we moved in together everything financial became "ours". There is no point where one of us can be in financial troubles alone. It helps that we've always had more or less the same view on how finances should be managed.