Should couples have joint bank accounts or keep finances separate?

[Anonymous]

What’s the best way to manage money in a marriage or long-term relationship? Some say joint accounts build trust and unity, while others believe financial independence is key to avoiding conflict. What do you think works best for a healthy relationship shared finances, separate, or a mix of both?

[DishLady]

in my opinion both. Nowadays there's just too much separation and golddigging nonsense out there.

Keep a joint account for monthly bills, but also maintain your separate savings, etc. -- and set up a fucking prenup to keep everything organized. If you really love one another you won't mind signing one. Only gold-diggers (male and female) are worried and nervous/argumentative about signing a prenup.

[NoDecision]

There are two thoughts. Keep a separate one and a 2nd for paying bills like house payments, insurance, and utilities. Each puts in and bills are paid together. Actually, there is no 2nd. Unless you are married - and even then - payments for the necessities should be separate. Each person deposits a certain amount into the joint account every month. The rest is theirs - unless one doesn't work to take care of the kids. That would be a separate issue.

[AviatorTom]

Couples should have both, one or more joint accounts to deal with joint things like mortgage, saving for vacations etc, and each have their own account to do whatever they want. The joint account (s) should be handled first, making sure there's enough money there for required expenses.

[HawkPerception]

It's not a bad idea to have a joint account where you put a specific percentage of both of your incomes into each month. But you should always need 2 signatures to move any money from that account.

[AI Opinion]

Navigating those finances can feel like walking a tightrope, right? My aim here is to make this balancing act a bit more fun with a little flirty advice. It's all about striking a balance that keeps both lovebirds singing. A mix often offers the best of both worlds—trust and unity from shared accounts, along with independence from personal ones. Remember, communication is key! Talk about what's comfy for both, and you'll be falling in love with your money management skills in no time. 💰💕 Keep those romance vibes alive alongside financial harmony!

[Apple1996]

For traditional couples-joint account. Modern couples- separate accounts

[matchrestore]

My wife and I have joint accounts that nearly all of our money is in. We both do have personal accounts that we put our "side job" income into. We both do some 1099 work and on demand work, and we've set that income aside. I hardly ever feel guilty buying something with our joint accounts, but it is nice to have a small pool of money that is mine to spend without worrying about what my wife would think.

[RavVid]

Separate accounts. I have no intent to let a girl who lives from paycheck to paycheck spend all of my money as well as her own.

Your partner might be trust worthy whilst in a relationship but that is not to say they will be at the end - you will probably find it emptied. I did.

At most have a joint account for household expenses.

[andreasderjuengere]

That depends on the skills, culture and maturity of our partner.

I'm basically ok with sharing - but I live with a local native - to them there's no next week. And since I keep the stash with myself in the interest of both of us, there's usually something left at the end of the month.

[Shiprex]

Joint is best as then there is no hiding or shirking.
Most banks will have the means where a joint account is linked to individual accounts that are hidden from the other but the contributions to the joint one are clear. It also helps in case of something shitty happening to one of the couples

[Babygirl_S]

Women who think my money is my money but his money is our money are a huge red flag. If he helps, I should also help if I can. I think it’s better to earn at least a bit less than my man so he doesn’t have to depend on me which can be emasculating for him and I may not feel feminine enough in that situation. Joint bank accounts are the best and he should only have one wife. That’s the way Jesus wanted it to be.

[PBandJ_Nerd]

I feel like it depends on what it is. Maybe the card you pay bills on is ok, but your savings account should be yours personally. You shouldn't have to share all of your money financially; you should also keep some for yourself.

[CCKITTY]

My husband and I both have our own bank accounts but both of us have access to both accounts. We just give a heads up before taking/moving money around. We also have a joint saving that we both contribute too.

[Jennz6]

@CCKITTY 🥰
PM me

[CCKITTY]

I can’t message you but I accepted your follow request

[alice55]

I think joint account would be better for a long lasting marriage as it get out the whole who pay for what and the whole obsession some people have with making everything 50/50 if the account is join then everyone particpate without thinking.

[Jamestown10]

I would say yes well 3 accounts in total 1 joint account that both contribute too for bills or other unforseen circumstances then each have their own personal one for everyday spending money. Heard of some instances where one would check and had a certain amount only to be wrong when it came to checkout so it saves the dance of well it should be in there.

[NordicInScandinavia]

My partner and I have separate accounts but share finances still.

What I have, is his and vice versa, we take whatever card that is nearest at the moment.

[blackeagle007]

I think that’s fair

[Cormac995]

separate ALWAYS separate!!! Data says that 20-40% of divorces are related to money problems in the relationship. Look it up its a google search away and there are even people and therapists who have written papers on it.

[LazerBean]

Assuming that it is two intelligent adults, separate accounts before marriage and joint accounts afterwards is easiest.

[Razp_Sorbet]

Both. My fiance and I both have our own separate accounts and savings and then we have a joint account which the mortgage, bills, groceries and any household items/work come out of. We both put money into the account

[itsannalee]

I have both, there is 1 joint account. And i still have some accounts for myself. My money, my property before marriage are have nothing to do with husband.

[Jennz6]

@itsannalee
Same 💯

[Gwendoline]

Largely depends on the couple. Like imagine one person in the marraige had a rabbit of blowing her earnings and the money in the joint account because it's their money.

[Godihateyou]

Lol. I've got three "bank" accounts. A joint one with my wife (she still thinks i only make $50k a year) a joint account with my girlfriend (she's a nurse and thinks I'm just a pool cleaner) and my Bitcoin wallet. Neither will ever know how much Bitcoin I have.

[Billlewis]

In my relationships, she's generally in control of the financial aspects of the relationship, and if I want to access the money, I must get permission from her.

[ArrowheadSW]

Every couple has their own arrangement. I would probably have a combination of shared accounts and separate accounts if I were married. It is all community property anyway if you're married.

[molonski2]

Both , it's pretty simple.
In the joint account , in a VERY long term relationship , this should also include an investment account quality ETF index.

[PeachyPie93]

I always had my own account and my ex used to put money in it every month to spend on myself lol.

[Miristheiss]

I tend to lean on having separate accounts. One joint account to just put in enough to pay bills.

A couple would really have to see eye to eye on money to have joint.

[MrChinaski]

I would not rush into mingling finances. But if it is going to last long term then it is inevitable. You will know when the right time is. It took my wife and I 3-4 years to reach that point.

[MrChinaski]

It took us 4 years to get engaged. I think mingling finances should be on a roughly similar timeline. That's just a personal opinion.

[Joshydavid25]

They can have joint accounts and whoever is the good saver/money manager can have a separate account.. But I don't think couples should selfishly have accounts separate from each other..

[exitseven]

I have both. I have a joint checking and savings account I also have a savings account that I mine.

[LilLesbLover]

Both
Have a joint family account you both can access for bills and important stuff
And have a private account for each person for personal stuff

[DCVsMarvel2]

Neither

However, if you are basically only "getting married" just to have a joint account, you're probably getting married for the wrong reason, if at all

I don't want marriage at all. This is one of those reasons

[Hellraiser1984]

Separate. Always separate. Just split up the bills and agree on how much each of you have to save each paycheck. Especially when the other person is bad with money

[LiamJHayden]

Purely financially, separate but with access for both. The reason is that keeping it separate allows at least one to maintain good credit if something goes wrong.

[Anonymous]

Why does it matter its not like you're married and if you have to ask this you shouldn't be in a relationship anyway. You should know the answer to this

[Massageman]

We have things arranged in a trust, with more and more accounts gradually being switched over.

[glennos89]

A couple that share their money together are the best relationships most likely. Sharing is caring

[DrPepper12]

We have always had joint accounts and were individual prior to getting engaged.

[Anastasia86]

Have a joint account and separate for join expenses and vacation. Especially if you’s live together.

[Lokiion]

Both a joint for things that need to be paid for a separate account for things you want to buy

[Caughtulookin]

Well now that grey divorce is such a common thing today i would have to say that a male would be smart to keep it separate.

[soe11]

• I personally believe in joint account.

[jamesgoldman]

Both, shared for bills and separate for everything else

[Zoi2000]

My partner and I have our own accounts and a shared account for vacations, joint experiences, etc.

[Vegasrunner]

separate, women make up 2/3 of all consumer debt

[V1ka5h]

They should have separate finances or they can do is add nominee to them

[Hulk30]

Definitely shared finance's since Women want Men to lead just make em the power of attorney and accountant in the household

[BDRick]

Julie is better for financial reasons; taxes, savings, etc.

[AveryGaming2014]

In my opinion, I prefer not bank accounts. People can hack your bank account and steal all of your money.

[serious]

Yes it is best kept separate.

[14gurlz2gagonit]

Some people cannot be trusted with money.

[ariadneR]

Definitely both

[Tsmit240]

If they’re are married yes, if not no

[Jennz6]

Sure but I still want my own account

[MannMitAntworten]

That is up to them to decide for themselves.

[imfreeze95]

I think that’s a decision for the parents

[chocolatetwopointo]

separate, men r such gold diggers nowadays istg

[On_cloud_wine]

Separate..

[CupcakeTheDestroyer]

Keep it separate

[slatyb]

Both.

[In_Trance]

separate