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Do you think married couples should have a shared bank account?
Superb Opinion
- 537 opinions shared on Marriage & Weddings topic.
Absolutely, as Married or SO etc. And, I would define it as a Business Operating Account. One person needs to be in charge and the other stays out the way. Bills itemized on spreadsheet, shared password protected, and reviewable as desired.
Allowances for each comes from there. Allowances for kitchen etc household expenses go there. And that Person has that added to their Allowance separately. And stfo of their Business. However they manage it, as long as house is set too, is absolutely none of your/account manager Business…focus on your responsibility.
Kids, Savings, Car, House etc comes from there too. COMMUNICATE. and have separate checking and credit cards…without exception BUT direct deposits into Operating Account.
Each to their own but say guys allowance is kept in green banking bag by nightstand as he doesn’t require much….
And it is known and agreed too that particular bedroom favor (s) are monetarily justified without asking…go take the money out right then-after…. Flaunt to it magnet to fridge over month, link it together, wear it around neck and go out downtown, or whatever keeps it hot in the house etc.And stfo out if she empties his bag, disappears with girls for weekend or kids, suddenly comes home in convertible…. none of your Business. Money is a Tool after all. A whore at home compounding Income is better than the alternative. 😎
Most Helpful Opinions
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Should have one with joint access, but still keep premarital assets and debts separate. People often bring substantial assets or debts to the marriage. Imagine being debt-free with a $200K inheritance in the bank and your new spouse has less than $100.00 in the bank and $150K in student loan debt. You marry, put it all in one joint account, make a single student loan payment from that joint account, have a big fight, and then divorce. Half of the account now belongs to the spouse who did not contribute it (comingled), and half of the debt now belongs to spouse who did not create it because the U. S. Department of Education deems a single payment from a joint account as acceptance of the entire debt, and will use the IRS to enforce this. Your $200K is now $100K. That $150K student loan is now 100% the responsibility of both. If the ex-spouse skips town, you will get stuck with it all, and your $200K asset is now and overall debt of $50K.
Yes because if you don't, your just roommates living together and pretending to be married.
Plus if you live in a community property state in the US, it wouldn't matter if you have separate accounts or not, if one of you doesn't pay a bill. Bill collectors go after both of you.
That seems like a terrible idea, if one pays their bills and the other does not, how resentful would the one who does feel?
Add into the mix if the person who doesn't pay their bills doesn't pay their half?
Finances is one of the top reasons people get divorced.
I've personally known people who have planned a vacation and one saves up and the other does not, so the one goes without the other... sorry you should of saved better.
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Okay this is where I will say yes and no. Yes I believe couples should have a joint bank account. However I also believe they should have separate accounts. I believe there should be one joined account for bills and expenses but also each has their own separate for their own earned money. But there should also be another joined account that requires a signature to move money from - which is used for money to be saved or invested.
Each couple is entitled to make the best decision for themselves and their relationship but in my opinion this is both a healthy and efficient way to arrange the issue of money.
What Girls & Guys Said
4
Opinion
17Opinion
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Yes, common expenses should be paid out of a shared bank account, with contributions made by both partners. It's okay for each partner to also have their own account that they contribute to, and use as they see fit.
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Depends. I feel individual couples should choose what THEY want to do
- 449 opinions shared on Marriage & Weddings topic.
Yes if they are both responsible with money then it's a good idea to have a joint account. Only time I'd tell a couple not to is if one was bad with money or one was financially abusive then there would be some issues with sharing a account.
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Married dude here. We don't have a shared bank account. Frankly, I can't see the point. Whenever my wife needs money she just says "hey, I need some money" and i whip out my phone and 10 seconds later--voila! She has money. Not sure why we'd need another account to be frank.
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I think it is absolutely true that family is for two people
Work and struggle together is for the good of love and family, we should have this after the wedding, we have to witness all the good together, the progress together
I think it's a happy move -
Yes the should have a joint bank account, UNLESS... one of them have trouble with spending and ignoring bills. Then, you might consider separate accounts to keep the other from dipping into account destined for the bills.
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Yes, but not fully. I believe the common household bills should be in a joint account, but that each person should still have their own individual accounts for their own discretionary spending.
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Only if the two can both agree that it right for them. It doesn’t work for everyone.
- 520 opinions shared on Marriage & Weddings topic.
Make sure you know that person, good enough, before you share a Bank Account with them.
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A joint account for bills and expenses, alongside personal accounts for their spending money.
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No problem. I can always open another one :D
- 597 opinions shared on Marriage & Weddings topic.
yes, it makes sense to pay all the householed bills from one account.
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No, it makes more sense to have separate ones.
- 626 opinions shared on Marriage & Weddings topic.
Yes but not completely. Like put 75% of salary in shared and 25% for personal use.
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Joint accounts are easier for bills. Still ok to have separate bank account. And incredibly easy to transfer money.
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surprised at the amount of yes. my money is my money, his money is his money.
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i think they should have their personal accounts AND a shared one.
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Ever since we got married we had a joint account. All the bills get paid from that account.
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Married people should have a joint account for shared expenses, but they should also have their own money separate from each other's.
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yes so confidence increases
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