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I'm still pretty young and not thinking about marriage yet, but I've thought about this a lot lately because my parents frequently fought about money despite being reasonably comfortable. I can only imagine how much worse it is if a household is living paycheck to paycheck.
I think I'd want to keep a separate account, at least for the money I saved and invested prior to the relationship.
Smart move. Get your money straight first and protect it. They say you should never put all your eggs in one basket.
My husband and I have several accounts for different purposes. I have an account where I keep some of my income to use for obligations that I came into my marriage with and are not my husband's responsibilty. He doesn't see it that way but I want to pay those debts myself.
Only one is our official "joint account" used for bills and daily expenses. But we both have access to the other accounts. There is total transparency.
Sometimes I might make a comment about "his money" or "my money" and he always corrects me. I appreciate his point of view but it's been an adjustment for me to combine our financial lives.
We never fight about money even though we handle it differently. He likes to spend and I like to save.
We compromise by me saving whatever he doesn't spend. Lol.
We have all joint accounts. We make all of our financial decisions together. It works for us.
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