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Subj: Re: Seperate accounts - wise financial move, or admitting defeat ahead of time?
Posted: Thu Dec 13, 2007 at 03:25:54 pm EST
Reply Subj: Seperate accounts - wise financial move, or admitting defeat ahead of time?
Posted: Wed Dec 12, 2007 at 10:55:23 pm EST

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My wife and I have joint everything. For us though, it was an easy choice - we started our marriage just out of college and neither of us had any separate assets to begin with, so it didn't seem like a monumental choice.

Some people describe a prenup as 'the first motion in a divorce yet to be filed'. I guess I feel sort of the same about separate bank accounts. Some friends of mine do the separate thing and seem to be very happy about it - though there is some occasional friction about who will pay for something. But the whole idea of it seems strange to me. If you're in a marriage with someone, why would you have divided accounts? Why would there be 'your' money and 'their' money. Isn't the whole point to partner together through life?

So what's your take? If you were getting married (or are married), which would your choice be?

Not being glib, but I think the right answer is "whatever works best for the people involved." I do think this isn't at all the same as a prenup with regard to "admitting defeat". A pre-nup specifically spells out what happens *when there is a divorce*. True it also says "if", but it doesn't come into effect until the split happens.

Bank accounts, however, don't have anything to do with failure. They are simply how someone chooses to manage money. They are necessary regardless.

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