“Together 25 years, living together for 18, married for 12.
We never bothered to get a joint bank account. Even though he has always made substantially more than I have, we figure out who pays what bills based on how even the split is. He pays car insurance, water, electric, and telephone. I pay mortgage and internet. Then if one of those changes, we rebalance. We rarely transfer money to each other. Whatever is left after bills are covered is our own concern.
The one exception is our investments. I manage our joint non-retirement account, and sometimes, if I know he has extra cash sitting in his checking, I ask him to send it to me to invest. If I didn’t, he would lose his money to inflation rather than letting it grow.“