I'm married (with kids and not renting) and don't have a joint bank account and it's not anything like that complicated. We worked out a set amount per month th

I'm married (with kids and not renting) and don't have a joint bank account and it's not anything like that complicated. We worked out a set amount per month that gets transferred from my account to hers based on the main bills (mortgage, etc) coming out of my account as the higher earner. We review that occasionally based on total spending and income. The rest more or less works itself out.