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?
Who said it was "our" money. Didnt take long to see she was spending and not depositing anything, making zero contribution really. Always say next check ill cover _____. But it didnt happen, even once.
So i closed the account and put all MY money into my own and let her think we were always broke. On the plus side she lost alot of weight cuz we supposedly didnt have money for groceries while i got fat on mcdonalds on the way home from work.
The moral of the story? Give em enough rope to hang themselves, and then do wut u gotta do.