Joint Bank accounts.

We have a joint savings account. That's it.

We will be joining everything together! It’s not about losing the freedom to be able to purchase whatever we want, it’s about working together on our financial goals and the easiest way to do that is together. We will be creating a budget together and we will both be allowed “fun” money. We are one once we are married so we want our finances to reflect that.

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love this.. money is cited as the #1 reason leading to divorce and I personally feel that couples who get into the habit of budgeting together from the beginning have better odds in their favor. Unfortunately, many begin doing this only after getting into financial trouble. Good luck to you both and if you don't follow Dave Ramsey yet - I think you'd enjoy his thoughts on this subject!

We have both a joint account as well as separate accounts. I actually have 2 separate accounts.

We share a checking and savings. We have for the last 3+ years. I feel that having it combined has helped us stay ahead of the game, or at least on top of it. I could not imagine the stress of having the ask my partner for money. We are a team and everything should be combined for this reason. This is how we both feel.

We have a joint savings and that's it. Our checking accounts are separate

Only after 4 years of marriage am I ready to combine! We kept ours separate and never fought over money. We both share bills and have never questioned each other’s spending habits. You can always combine later. We are now going to 1 income (at least for a while) so I’m ok with combining.

View Quoted Comment “And the preacher said you are one!” Lol I love Dave Ramsey 😊

We're keeping all of our original separate bank accounts, but signed up for a joint Credit Union account.

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LOL!!! My Husband watches Dave Ramsey and has been freaking out about not having a joint bank account. We are doing perfectly fine with separate accounts.

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That's what my Husband and I have been doing and everything has been fine however he watches these financial videos and now all of a sudden he thinks it's wrong to have separate accounts

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Apparently the experts say when you get married you are one including bank accounts.

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Thank you for the advice I appreciate it

Thank you everyone for all the advice and inputs it's greatly appreciate it.

We have both.

We just recently opened a joint account, and we're mostly using it for savings for joint goals. Eventually, we'll likely add a joint credit card, and maybe switch to paying our bills that way, but right now, it's a stash account.

View Quoted Comment I do a similar thing to this! We have our paychecks deposited to the same checking account, and that's the one we use to pay bills and the credit card that we share (use for grocery and gas...get that cash back). We both have a sort of "allowance" that we move over to our personal accounts every month, which the other person can't necessarily see. (We have a budget spreadsheet we used to figure out what this amount should be). And also a shared savings account. So any large purchases is from the 'our money's pot.

Once we get married, we’ll have our separate checking accounts and a joint checking and savings account together. Our joint checking will be for bills & expenses, our joint savings will be for vacations, downpayment on a house, ready to have a baby...etc. I feel like this will keep us more organized with our money.

My husband and I got a joint account soon after getting married, but will keep separate savings accounts. Our paychecks are very different, so seeing how much we have left to spend on food, bills, and entertainment is important to monitor our spending as a unit. We've been married for a little over a year now, and I prefer the joint account. If we go out to eat or get groceries, we just have the one card to use. It also helps that I don't have to ask if he's paid half of the rent like we did while we were dating in college.

View Quoted Comment Lol I think it’s kind of nice he wants to combine everything. It shows that he is willing to let go of the mindset of “mine and yours” and transition into a mindset of “ours” because in all reality that is the way it is when you’re married. But if you don’t feel comfortable with that then maybe start with combining one account and see how you feel.

My husband and I have our own checking accounts and a joint savings account. We are on each other's checking accounts though. We use the checking account where I am the primary as our "fun money" account and we pay bills out of the account my husband is the primary on. Both of our paychecks get deposited into the account my husband is primary on (with a portion of our checks automatically going into our savings account), and we move left over money into our "fun money" account. We use our "fun money" account for vacations and larger fun purchases.