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Old 01-08-2013, 04:18 PM   #29
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We've always had joint everything too. Not the first marriage for either of us. All has worked well.

We have friends and family which keep everything separate and they often have situations where one can afford to go on a vacation (etc) and the other one can't afford it... and even cases where one partner can retire but the other just doesn't have enough money to retire... and at least in these cases we've observed, their relationships seem too much like room mates and not enough like married partners for our taste.

Different strokes.

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Old 01-08-2013, 04:24 PM   #30
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We've always had separate accounts (29+ yrs now) with joint access. Works for us. I wouldn't advocate either way as IMO it is a personal choice between partners.

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Old 01-08-2013, 04:37 PM   #31
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Married when we were nineteen and forty nine years later everything that is possible is joint. DW pays house bills and keeps me informed (if I ask). I pay the corporation bills and keep her informed (if she should ask).BTW, I get a twenty dollar a weekLY allowance. All mine
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Old 01-08-2013, 04:57 PM   #32
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I say whatever works for you is right. We have a joint account and have never a single money argument in 15 years. Of course it helps that we both are quite frugal and have specific financial goals that we both agree on (budget, savings, investments etc.)
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Old 01-08-2013, 05:20 PM   #33
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Just a quick thought, especially for those for whom everything is joint:

In some states, in the event of a death, all accounts in that person's name are frozen, some until probate is completed. The inability to access what was joint money, even if only for a short time, may be significant.

There can be many legal possibilities, just my humble opinion.

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Old 01-08-2013, 05:33 PM   #34
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Some states have "community property" laws that govern who owns what, and who is responsible for debt in the event of divorce or death of of a spouse. I am speaking of legally married couples, not those with live in arraingements between a couple. In a nutshell, everything aqquired since marriage, money, property, and debt is equally shared by both parties
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Old 01-08-2013, 05:35 PM   #35
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Everything is joint and has been for 42 years, however I manage it. He's fine with it that way as I'm a much better money manager and a more detail oriented person. Any major purchases are discussed to determine if we can afford it. The rest is spent and accounted for per our budget. As to whether we would have a problem in our state as proposed by glarnold, in FL if it's joint, the surviving spouse/person still has control. I was joint on my mother's and my aunt's accounts just for that reason. When they died, I still was able to access their money while we were getting everything settled. I do agree that if both partners are at opposite ends on handling money, it can cause a lot of strife.
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Old 01-08-2013, 05:44 PM   #36
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2 joint checking accounts may have saved our 40 year marriage. I am anal - I think that the account should be reconciled at the end of the month. My wife sometimes doesn't write checks in the register, and never bothers to reconcile or keeep a running balance. She checks her balance when she uses the ATM. I couldn't stand living that way, so we agreed to have different accounts. I'm happy & she's happy.


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Old 01-08-2013, 06:40 PM   #37
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Joint account for 33 years works great I put in and she takes out.
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Old 01-08-2013, 06:59 PM   #38
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One thing I forget to mention in regards to my wife philosophy of money.

Her money is her money and my money is her money.

Now I will admit since we had our daughter her philosophy has changed a bit.

Her money is her money and my money is her and my daughters money.

Somebody posted on this thread that they get a 20 dollar a week allowance. That is about 19 dollars more then I get after the wife and daughter factor.
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Old 01-08-2013, 07:02 PM   #39
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Where my DW comes from they have a saying.

Her monies is her monies. My monies is her monies.
That being said we have one joint cheque account and she has her own cheque account.
So far at nine years of marriage it is working for us.
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Old 01-08-2013, 07:23 PM   #40
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After 26 years of marriage, and we're both "under 50", I've found the absolute perfect solution to this dilemna: just don't have any money.

Then, it doesn't matter if you have one account or 20.....they're all empty, so what's to argue about?
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Old 01-08-2013, 07:28 PM   #41
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Quote:
Originally Posted by emoney View Post
After 26 years of marriage, and we're both "under 50", I've found the absolute perfect solution to this dilemna: just don't have any money.

Then, it doesn't matter if you have one account or 20.....they're all empty, so what's to argue about?

Hey I said we had separate accounts, didn't say they had any money in them
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Old 01-08-2013, 07:52 PM   #42
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We have separate accounts for everything and have never had an argument concerning money. We agreed from the beginning of our relationship on what we each would be responsible for. If we want to purchase something out of the ordinary, we may both contribute, but it may not be an equal contribution. We have common financial goals and this works very well for us.
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