Am i the only one who feels weird about having joint bank accounts?

It’s definitely not a requirement to have joint money. Money can become an issue if couples don’t see eye to eye about spending and saving or if there is a significant amount of debt within the marriage that causes financial strain. If you both agree that separate accounts works best and pay all your bills successfully it shouldn’t be a problem.

Absolutely not. If you have a system that works for you, there's no need to change it.

We have one joint account and we both put in the same amount per month. We use it purely for things like our vacations or whatever is going towards the both of us.

Nope. We have separate accounts and it is going to stay that way. I'm better at saving so he is going to give me a specified amount each month to go into a long term savings account.

Absolutely not necessary. Was a horrible decision in our relationship for years. I didn't want it but my SO did. We fought about money a lot. Wasn't until I said enough was enough and got a separate accounts while maintaining a joint one for joint bills did we stop fighting over money so much. We take turns buying dinners, outing, and household goods. Pool our resources when it comes to bigger things. It works better for us and we don't argue about who spent what at Starbucks or on lunch at work.

Seems normal to me. We keep ours separate and pay for things equally or split

The way a couple handles their finances varies. It's entirely up to you two how you decide to divvy up financial responsibilities and such. The main reason money causes so many fights is when the two people don't agree on how money is spent. As long as you two are on the same page, you're all good!

We are not combining bank accounts until one of two things happens:

1) we buy a house

2) we have kids.

He has student loans and other financial obligations he wants to pay off, and this way we can each take a good look at how our contributions are working towards our ultimate goal (the house and kids) and know how to adjust accordingly so we can reach those goals.

We kept our original accounts but also have a joint one. I would say money issues can cause problems regardless of joint bank accounts. Financial stability & agreement of spending is important regardless of how you both save money.

As long as it works for you guys, that's the right system. I know plenty of people with separate, joint, or some combo - there's no "right" way!

We have a joint account for normal living expenses, and separate accounts for the rest. But really, the only thing that matters is whether the system you have works for the two of you. Some people have one person pay all expenses, and the other one reimburse the first for a portion of them. Some people have each person pay specific expenses (e.g., one pays the mortgage, while the other pays for grocery and utilities).

The reason finances contribute to divorce doesn't relate to whether you have a joint account, but whether you are on the same page about handling money. For example, if one constantly overspends, and therefore doesn't have enough to contribute what should be their share of the rent, that's an issue. But the way you agree to handle your finances isn't an issue, so long as you both keep to the agreement.

Not necessary. We only got a joint account for the wedding. We each contribute to monthly bills and because our money is kept separate neither of us complain about the other’s spending habits. 👍

I think having a joint savings account is fine. But I think spending money should be separate. As long as you are paying your bills

I don't want to come off rude but I believe once you become married, you become one unity. His money if yours, your money is his. I have a friend at work and her and her wife have separate accounts and she says it works great for them. But I always found it a little weird personally. Me and FH combined bank accounts a few years ago when we bought a house. We didn't have to do this but we both agreed we are one. This OUR house, bills, etc. I agree with you money can cause stress in a marriage. Money has caused stress for me and FH at times. Doesn't mean we should've kept things seperate, if anything it's made us better. If you are happy with the way it is, there is no one to tell you that you have to change it. I would advise you at least get a joined account, maybe a savings that you can both you contribute to if you don't want to share a checking account. I think it made our relationshop stronger. You never truly know someone's spending habits unless you can see it. For exemple by FH had no ideas how much I spent on nails 🤣

As stated above, it's not mandatory and different things work for different couples. My FH and I plan to have a joint account and separate accounts. I'm an accountant, love to budget, and love to have control of finances. My FH got into terrible debt in college and my parents had their financial struggles and I refuse to let that trend continue. The joint account will be for bills, vacation savings, and emergency savings. Anything left over after bills and contributions to joint savings will be evenly distributed to each of our separate accounts. We can choose to do whatever with that money, whether it's saving more or spending every last dime of it. I already take care of his finances separately right now, so the only difference is that we will share all bills and paychecks essentially. I think it'll work great for us and our situation, and if it doesn't, we can always change it.

Were not doing a joint account. I will have mine and he will have his. We are just adding each others names to the account so if he asks me to stop at the store I dont have to run home and grab his card.

No you don't need a joint account. Money is an issue because people don't tall about their finances. They also aren't on the page about how much should be spent on what. People are bad at communicating in general and money is a taboo subject that people like to ignore. You can't do that in marriage. You need to know about each other's debt and credit score, how much they make, how much are the joint bills, etc..

View Quoted Comment If all the money is just money when you buy each other gifts and surprises they're basically buying it for themselves...

We plan on getting a joint account but still keeping our separate ones. The joint one will be for joint bills and the separate one are our separate bills and things we want to buy.

View Quoted Comment Yeah that's true. We still have our own credit cards so I guess that's the only way to surprise each other with gifts lol but either way to pay that credit card bill, the money comes out of our joint account.