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Bleak · 36-40, F
Joint is better
Moneyonmymind · 31-35, M
@Bleak that’s not a reality for most couples and you know it. As long as there is trust and a CLEAR indication as to who pays what, what purpose does a joint account solve? We can pay for things separately and be just fine.
Bleak · 36-40, F
@Moneyonmymind Yes I know it very well. I dont pay for anything because my husband never asks me to do so.
Moneyonmymind · 31-35, M
@Bleak in that case I would hope you contribute elsewhere

There's no 'one size fits all' answer here. My wife & I have been happily married for over 25 years. We have always kept separate bank accounts and separate credit cards. For us, we feel that the lack of friction over minor spending is great, but we have similar spending habits.

Also, in the event that one spouse dies suddenly, the other still has access to their own bank account to pay bills, buy groceries, etc.
SatanBurger · 36-40, F
Keep finances seperate and sign something legal that says who gets what if things happen like divorce or death. I've never been divorced but if that happens, having a joint account would complicate things and get a lawyer. I've heard of people losing everything they have
whowasthatmaskedman · 70-79, M
My wife and I always had seperate bank accounts. We both worked, so why not have our own money. There was never an argument over who payed for what, because we were always on the same page..😷
GeniUs · 56-60, M
Was gonna write a story but it's the robot so shan't bother but will say it depends on the individuals and in my case was necessary for both to be true. I know that doesn't make sense without the story but it'll take a while to type.
LordShadowfire · 46-50, M
@GeniUs actually, it's Royricky using the robot, so there's still a human who wants to know.
GeniUs · 56-60, M
@LordShadowfire Quick answer; when I got married we kept our accounts separate but my wife wanted us to have each other added to the others accounts. This had never been discussed before we were married and I was uncomfortable with it but without evidence to be so. We looked after our own bills as we had done before marriage but when my wife sold her house her outgoings dropped and since we lived in my house I was paying all the joint bills. One day she said to me I got £400 interest on my account last quarter, all the time I'm spending almost everything on bills. I agreed we should have joint accounts the bank screwed up the paperwork twice but it went through on the third time of asking (it was the bank and not her AFAIK). When I finally got access to her accounts she had a huge lump sum from the sale of her house which she was eating into every month as well as spending all her wages (Nurse, so a good amount to get through). I took the majority of the lump sum from her account and paid down the mortgage to about 20 grand and did this without discussion because I'm sensible and I didn't want the fight. She was still left with about 3 grand to fritter away.
There was a fight anyway and about 2 years later we were getting divorced.
Both .. joint to save, pay bills, separate for some personal discretionary $$

If one out earns the other significantly .. all Im gonna say is. .. prenup
WowwGirl · 36-40, F
@BrandNewMan then comes spousel support
@WowwGirl

Dont I know it 🙄
WowwGirl · 36-40, F
@BrandNewMan yeah they come
exexec · 70-79, C
We have two joint accounts in the credit union, so there are no service fees. She keeps "her" money in one, and I keep "my" money in the other. We pool resources occasionally. I maintain records for both accounts.
DunningKruger · 61-69, M
We have to have joint accounts because the wife is completely incapable of managing money. She has an account in her name, but that's just for pension/disability purposes — I'm the one who manages it.
IM5688 · 61-69, M
We have both personal accounts and joint accounts. Works for us.
AngelUnforgiven · 51-55, F
Both. I have trust issues now because of it so i will never, i repeat, never ever ever allow any 1 person to have access to my money.
YoMomma · 41-45
Whatever they decide.. my husband has a joint account with me because i hate spending money but my dad has a separate acc from my mom because otherwise he’d be beyond broke as my mom spends money like water 😏
Iwillwait · M
"Should," is not the correct word, I would venture to guess everyone's decisions are their own.
skmokisses · 46-50, F
Both. They can have a joint for the purpose of paying household expenses AND have individual accounts for their personal spending.
Katie01 · F
Both. My boyfriend's account is our joint account but my account is only mine
InfernoTouch · 41-45, M
It depends on their spending habits and personalities. For example, if one is a saver and the other is a spender, then it's better to separate
smileylovesgaming · 31-35, F
I have all was had separate accounts
Both.

Keep your wages separate and pay into the joint account to cover bills etc.
Both, it helps to pays bills, but something tragic happens it is easier to access the account that is only under your own name.
DearAmbellina2113 · 41-45, F
Jump to half way through the video, at about the 50 second minute make. Or, it's just 2 mins, just watch the whole thing.

[media=https://youtu.be/2B1bq8k1t3Y]
Iwillwait · M
@sstronaut GENIUSH!
KingofBones1 · 46-50, M
Bank accounts don't matter but a real couple does everything as a team otherwise it's just a pretty sounding business arrangement
Ambroseguy80 · 56-60, M
That depends on the couple.
If you're married, it should be joint.
If i had to choose one. Seperate.
WowwGirl · 36-40, F
Both and mandatory single and shared investments or stocks
LordShadowfire · 46-50, M
In my opinion, each person should have an individual account, but also a joint account.
Moneyonmymind · 31-35, M
Keep them separate. What’s mine is mine and what’s yours is yours. If you don’t have trust you have nothing!
Your question contradicts itself.

 
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