[bluehatbrit]

We have a joint daily account (called a "current account" in the UK, maybe a checking account in the US?). Both our income goes into that in full. We then have a few different types of savings which come out as soon as the income goes in. This is a more flexible "easy access" account, and more of an investment account. The investment account isn't joint purely because of how the tax shielding for them work in the UK but we both have access to them.

The remaining amount in the daily account is used for bills, groceries, and such. We also have a budget in here for various social things like dinners out and such as we do a lot of these together.

We then have an individual checking account which we both take an equal monthly allowance for discretionary spending. This is also how we buy gifts for each other for birthdays and Christmas.