[unregistereddev]

All money in joint accounts. We've agreed on an amount of money that is a "large" purchase; anything below that amount and either of us can just spend money without consulting the other. We talk to each other before buying anything expensive. Each of us maintains one individual credit card; this lets us buy gifts or surprises without the other seeing what was purchased. We do maintain separate HSA's (because for us it's advantageous for each of us to have individual health insurance from our employer), and we maintain separate 401k's (because that's how 401k's work).

Different things work for different people. I've known other couples who put most of their income into a joint account, but each person is given a monthly "allowance" that's auto-transferred to individual accounts. That lets each person have some discretionary money that's just theirs, and it can be saved or spent as they see fit.