My wife and I share joint accounts but each have a personal account. We send a small $ amount to the personal accounts at the start of the month. It works real

My wife and I share joint accounts but each have a personal account. We send a small $ amount to the personal accounts at the start of the month. It works really, really well for us. She doesn’t have to explain her new pair of shoes. I don’t have to explain going to the driving range. But - we both are on page for the big stuff.