Personally, you're better off with separate joint accounts, your account, and their account, that you both have access to, at separate banking institutions. Thi

Personally, you're better off with separate joint accounts, your account, and their account, that you both have access to, at separate banking institutions. This gives you both a backup, and your own account to mostly manage yourself. A very simple way to manage things would be to set a lower buffer limit you want to have on your checking account, and put anything after your monthly bills and your monthly allowance for yourself in savings. Tangentially - One thing I've learned is that the first time you jointly file taxes, you should never change the order of your names on tax forms after that. It will cause boatloads of problems if you do.