My wife and I direct deposit the first 90% of our paychecks to a shared savings account. Our family's living expenses are transferred from there to a shared che

My wife and I direct deposit the first 90% of our paychecks to a shared savings account. Our family's living expenses are transferred from there to a shared checking account on the first of each month. The other 10% goes into our personal checking accounts to spend on whatever we want.