Couldn't agree more! We definitely dont complain at each other about money, because my S/O would barely be able to afford their student loans without my income, and I had a ton of Credit Card debt when we got together. We're both working through it and know things will get better over the next 2 years.

Going to make sure she has ownership of the house/cars once we're married officially in a few months. Been living like we're married since we moved in together 3 years ago. Most of our monthly budget is being eaten up by trying to get out from the debt we both accrued from before we got together. But that's an "US" problem and we deal with it together.

I put 100% of my paycheck after savings (joint savings) into the joint account. She puts 100% of her check. We get an allowance every Friday. We're a couple, everything is shared. Also a huge income disparity between us means if I kept 50% of my income, I'd be pocketing more than her monthly take home. That is far from fair in a marriage.

I hope there's a /s you're missing.

Exactly. The above advice only really works if incomes are similar. In my household I make 4x what my S/O makes. If we both contributed 90% of our incomes, I would have a lot left over. Instead we get an even, weekly allowance, that we adjust based on our bills/debts. Less debt = more allowance. I don't make comments about how she spends her allowance, and she doesn't comment about how I spend mine.

We had different banks when we moved in together, and got 3 accounts when we finally settled on a bank. Hers, mine, and the joint account. Paychecks go into the joint account, and allowance goes into personal accounts. This is mostly because there is a huge income discrepancy between me and my S/O. My paychecks are almost double what she brings home in a month, and I do not want her to feel like she isn't contributing as much. If we split things the way you described, I would have thousands more dollars a year in discretionary spending than she would. The weekly allowance is the same for both of us, and once we reduce our debt more, the allowance will increase for both of us. Allowance money can be spent no questions asked, joint money is for everything from bills, to date nights, to random purchases we both agree on. Having separate bank accounts with an allowance still gives us the freedom of having money for our own wants without hurting the budget, but we still have the big pot of money for every day expenses.