[freedomben]

Are you planning to have kids? Do you and your fiancé make similar levels of income? Do you have similar spend patterns (i.e. thrifty, spendeasy, etc)?

The answers to those questions will change the advice. Having kids or having disparate levels of income point toward a joint account, whereas different spend patterns point toward separate. There's no easy formula though.

[sbolt]

Thanks for your reply!

Yes we are planning to have a family at some point. We make similar levels of income and are both pretty thrifty. I would say we’re very aligned on our goals and habits in this regard but we’re figuring out the best way to structure things.