Do you think your finances should be kept separate when you are married?

I hear a lot of married couples, women mostly, bring up the fact that their husband is very uncooperative when it comes to taking up some financial responsibilities. I'm not saying that is the case all the time but that's just my experience and I know finances are a touchy issue.

  • No, what's mine is theirs and vice versa
    Vote A
  • Yes separate. They don't need to have access to my money if I pay for my bills.
    Vote B
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Most Helpful Guy

  • Sylvia Porter says married couples should have three accounts -- his, hers, and ours. Each partner needs to have money that is all their own. It's ridiculous for adults to be asking each other: "Can I get new golf clubs? Can I go visit my sister?" No need to fight over stuff like that. The joint account is used for joint expenses -- rent, utilities, vacations, entertainment, ... The contribution to the joint account doesn't have to be equal. If one partner earns more, they should contribute more. If one partner earns a lot more, then they could cover almost all the joint expenses. If only one is working, then split the discretionary income so the non-working partner does not feel like a beggar. My wife isn't working right now. I deposit money into her account and a joint account every month, and the rest into my account. We talk about the "we" stuff,, and never ask each other about the "me" stuff.

    This is good for children too. Teens should get enough allowance to cover all their expenses -- clothing, toiletries, music, entertainment, etc.

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    • ^^ This, pretty much exactly.

      Also, if either spouse is a freelancer, then she/he absolutely MUST have a separate account for business purposes. If all that money is going into a joint account -- even temporarily -- then, in the case of an audit, the IRS (= the US tax authority) would probably rule that business and personal funds had been "commingled" and would disallow basically all tax deductions involving any of that money.

Most Helpful Girl

  • whats the point of marriage if everything is separate. I thought it's a union between two people. Personally, I want to share everything with my husband and him to do the same with me. We're in love not roommates.

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What Guys Said 14

  • You need a third option that says there's a "your's, mine, and also our's". The joint account is good for things like bills and saving up for stuff. But you should be able to do with your money mostly to do what you please.

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  • keep some to yourself and share the other bit. a shared account for shared expenses and a private account for other stuff. makes it easier to deal with shared tasks like paying bills. and a relationship based on trust should be able to handle the private accounts. if you feel that you can't trust your partner with money you got bigger problems than money

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  • you know a union is not union when there is no trust.
    communication needs to happen and joint decisions to be made.

    you are not roommates are are husband and fife

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  • Ummm it's more the case of divorce then anything in marriage what's mine is hers but the thing is what's hers isn't mine because she's housewifey she doesn't work until the kids are 20 ish. In divorce it should be separate what's mine is mine and hers is hers.

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  • Given the amazing high rate of divorce, yes. Not to mention the sometimes very different views on money couples may have, some being impulsive spends while others are savings for retirement.

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What Girls Said 9

  • I think it depends on the individual couple but overall, I think keeping everything separate could get complicated. When paying bills, handling other expenses, and spending money, it makes more sense to me to have one account so both people can stay on the same page about their finances. Communication is really important in that aspect.

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  • My husband and I have an account, they're linked so I can see his and he can see mine, we have a savings account we both can see everything that is in there... My aunt on my husband's side her and her husband have a joint account, and there's another one but she never knows what's in there and he goes to the casinos I don't believe in that... if he knows she should know, they are married

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  • My grandma told me to get a prenup to avoid losing what's mine and if you have doubts rn trust your instincts! Plus in today's day and age its rare to share accounts in my opinion unless one person is not working.

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  • I'm not sharing and this is why I want a man who allows my independence.

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  • Yes since that's one of the main reasons my parents are currently divorcing

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