Would you consider having a joint account with your partner/spouse or prefer to have your own account? Why or why not?

[Lucy68]

[Anonymous]

Nope.

My money is my money and your money is your money. I don't care WHO earns more.
Everyone pays common bills, 50/50. No, I won't make up for your half. If I EVER do, it's a loan, it's not a gift. It will be repaid.

You pay YOUR bills, I pay mine. Your car is yours, your credit cards are yours. There's no permission needed or criticism given for purchases, but don't overspend and miss bills. The item purchased will be hocked, sold, or taken back for a refund.

All of this is known UP FRONT, before any cohabitation plans are made. If they aren't agreeable, then we stay in separate living arrangements. No, the terms aren't negotiable.

OR

I pay all of the expenses and your money is yours. If you don't have enough money to make your ends meet, then rebudget, or get another job. Do not ask me for money. It's not like you have obligations surrounding a place to live, utilities, or basic food. You finance your car, it's gasoline and repairs, clothes, shoes, hygeine, medical and feminine supplies and expenses, special food items, etc.

No, I don't think I'm being unreasonable. I think I'm being a responsible adult by paying my own way, and expecting you to be a responsible adult that cares for her obligations, supports herself and pays her way.

Before, anything happens, well before actual dating, this subject will be broached. You will pay YOUR half of any dates and pay your way in a relationship. If none of it is agreeable, then I guess we don't date or go further.

The reason (s)? I'm tired of paying and being left holding an empty bag, whether it be a simple first date, or after 10 years. I know this irks women to no end, thinking I'm a tightwad. It proves to me one irrefutable thing, they're about money, free things and using others.

I don't give gifts. I don't expect them. Do not waste your money on a gift I'll tell you I won't appreciate, before you buy it, and don't expect any gifts from me as repayment for something I told you not to get me. I won't guilt you by buying you, and I won't feel bad if you don't reciprocate, nor guilty for not buying you one on return.

It's all really simple to me. My money is my money, your money is your money. We don't mix them, period. Anyone that doesn't agree wants something for nothing, or payment for favors rendered that weren't requested, desired, or needed.

For things like a vacation, separate saved funds combined to pay for the trip are in order. That's the ONLY mixing of funds. IAny incidentals like gambling, souvenirs, alcohol, local entertainment or attractions NOT included in the package, are the responsibility of the person wanting them. If someone's funds are short, the trip is canceled.

The minute sex becomes a pay for play, deal, it's over. I'm gone.

[crmoore]

I'm fine with either, but as long as we've been together for quite some time, and she seems like she's the one I'll be with for the rest of my life, I intend on having a joint account. I haven't looked into the benefits or drawbacks, but it just seems more united, that way. Like we're one, together, rather than separate beings.

[jennifer_bloom]

A rabbi I follow named Manis Friedman wrote a book for people of all faiths and non faiths and he said that being in a romantic relationship, did not give you the authority to collapse all of the social boundaries people consider to be normalized in social exchanges between human beings and a common Christian idea is that nobody can be fully trusted other than God. A romantic relationship is a joint effort and not a social contract where you forfeit your values and rights for the sake of the relationship.

[DizzyDesii]

I would prefer not sharing. I've dated seemingly responsible exes who proved otherwise. But if married, if he insisted, i’d do it bt im always gonna keep my own secret stash of what i earned so its just best we dont share. He has his, i have mine, we split the bills

[DizzyDesii]

Thanks for mho

[Xoxocutekitty]

Prefer both.

I think when you're living together it makes sense to have at least 1 joint account. Both parties should have an agreed upon lifestyle and sadly, finances are a big part of that. Being penny wise, (Penny pinching over subscriptions, grocery runs, random pick ups) can be a pound foolish to the overall health of a relationship.
Don't make the person doing the fetching hurt financially.

I think it's also smart to have your own checking accounts too. You don't need to know everything your partner buys, from what store etc. Maybe they wanted candy, or are cheating on their diet at McDonald's, or are at target and want something nice for themselves. If they want to treat a friend you tolerate, let them do it out of their own money instead of yours.

[VinnyMac]

I think It's important for couples to have your own account. If you're needing to share money with oneanother you can always etransfer oneanother or borrow one another's cards if you need to. I think It's good to have your own account.

My Grandma used to always say about her and my Grandpa: "What his is ours, and what's mine is mine." I always thought was funny.

[Allie2468]

When I get married, I will have my money from before marriage in one account, and I’ll never use it. I’ll start a new account after getting married to use with my husband. It’s the smart way to do it because I don’t want to divorce and lose everything I’ve worked so hard for.

[KatieB713]

Wouldn't mind a joint account for bills or possible just use it as the account for either of us something the food shopping.
However I wouldn't want everything shared, I'm the only one who drives so I pay all the petrol and bills for that (he occasionally has given me something for petrol when I've been driving him to stuff), and other bills or expenses that are not for the household isn't something I expect him to contribute to

[Wonderer89]

Once we moved in together we started a joint account for bills, then after getting married we combined more accounts for savings, our kid, holidays etc.

We still have separate accounts for our own spending money but everything else is pooled

[Iron_Man]

Nine times out of 10 its gonna be all my money and nine times out of 10 she’s gonna buy everything in sight with it fancy hairdos dresses shoes 👠 jewelry lunch out with her friends. Unnecessary groceries Foods I don’t eat. She should have her own bank account I should have my own Bank account if she needs extra money then ask me.

[RealMarek]

It depends. In a community property state any money you earn after marriage is owned by both spouses 50/50 regardless of the account it is in. Inheritance and money earned before the marriage is an exception as long as its in a separate account.

[TrueConfection]

We have both. All of our money is "our money" and we have never argued about spending. The separate accounts are business accounts, but we both have access to them.

[Fireguy17]

We have a joint account for household bills, otherwise we keep our finances separate.
There is a big difference in our incomes, as well as spending habits.
This way we have never had an argument about money.

[AviatorTom]

Best is for each partner to have their own individual account, to do with whatever they want, and a joint account for common expenses, like mortgage/rent, utilities and insurance.

[Redstang88]

I’d keep a shared account for shared expenses, everything else separate

[20yearsolder]

That's all we have, a joint account. As the saying goes, what's mine is hers and what is hers is mine

[Pistolpete90]

I'd want my own savings account and would only be comfortable transferring money into a joint account for joint expenses.

[Andres77]

Everyone needs a little privacy.
Your thoughts are your own.
There has to be a line at some point.

[Anonymous]

I'd say keep them separate, purely because sometimes you wanna buy things for someone and not want them to know for birthdays etc. You could have a choint account for bills and food but you could also just split.

[TacosRAwesome]

Both. Joint for mutual expenses like loans, and bills. separate accounts for personal stuff.

[Juan_Sheet]

I have both types of account. My regular account is for my salary and bills.

The joint account is primarily the wife's account. It was a necessity during her visa application process that we have a joint named account.

[IDontBelieveIt]

not now just ended with another leach gold digger woman ( i know not ever one is a leach but they hide it so not worth the risk now)

[jamesgoldman]

Both, joint for household expenses and separate for everything else

N. b. I'm single and currently have 3 bank accounts with consideration towards opening a 4th

[jahaims]

My wife and I (then my girlfriend) started sharing an account as soon as we moved in together around the 1 year mark.

[exitseven]

We have several joint accounts and I have my own separate account as well.

[SecretGardenBlood65]

I've seen this in many people, so joint account is total bullshit

[douride2]

At this point in my life any partner I get won't have access to my account.

[Anonymous]

I know this isn’t true for everyone and I shouldn’t judge but for some reason when people have joint accounts I always assume they have trust issues or someone cheated.

[Opinion Owner]

Omg nvm I to this comment I totally misunderstood the whole question.

[MannMitAntworten]

Both. Joint and separate. Most couples I know do. My parents included.

[Anonymous]

If it made her happy I'd be OK with it. But just FYI " lack of trust" is NOT attractive. And there is a breaking point.

[BaldAvenger]

I prefer my own account separate from the joint account that takes care of joint ventures.

[JakeS00]

Possibly, if we grew enough together.

[Anonymous]

Yes a dummy joint account, where I won't be depositing my entire money. Just a little that I don't mind loosing. At Max $10000 not more than that.

[Nagahime]

No, I will never have a joint account with anyone.

[bowenw]

Joint as we're in this together.

[XXblack88]

I would prefer to have my own account

[Anonymous]

It's best if people have both.

[JessieBellll]

Own for obvious reasons

[Hispanic-Cool-Guy]

Joint but only if she's a wife.

[sattii2607]

All our savings are in our joint account.

[dudeinohio]

Have both

[Jamie05rhs]

3 accounts.

[EaterPeter]

Joint and separate