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re: Spin-off From Another Thread: Is Separate Checking Accounts For Husband And Wife…
Posted on 8/6/22 at 12:01 pm to auwaterfowler
Posted on 8/6/22 at 12:01 pm to auwaterfowler
I told my ex wife that I wanted to buy a $500 mountain bike. She told me that she couldn't handle my spending (went out to lunch with coworkers a couple times a week) so we had to have separate accounts. We were both engineers with pretty healthy salaries. Ex wife
ETA - I was talking to her new husband a while back and he was complaining about her watching his spending like a hawk. He's also an engineer. Cant tell you how satisfying it was to hear that
ETA - I was talking to her new husband a while back and he was complaining about her watching his spending like a hawk. He's also an engineer. Cant tell you how satisfying it was to hear that
This post was edited on 8/6/22 at 12:32 pm
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Posted on 8/6/22 at 12:03 pm to C W
quote:
There is no question about who made a particular purchase.
But when kids are involved, it would be complicated. I wouldn’t want my wife and I to have to sit down and figure out whose turn it is to replace little Timmy’s jeans he ripped on the playground.
Posted on 8/6/22 at 12:05 pm to Loup
Fully combined with visibility to the transaction level for both of us. Any personal “wants” over $500 or so we’ll mention to the other.
We are also aligned on retirement contributions prior to deposits.
Full transparency is the only way I can imagine doing it.
We are also aligned on retirement contributions prior to deposits.
Full transparency is the only way I can imagine doing it.
This post was edited on 8/6/22 at 12:09 pm
Posted on 8/6/22 at 12:13 pm to Mingo Was His NameO
You misunderstand. I already said that my wife and i have separate accounts and it’s easier to manage.
Posted on 8/6/22 at 12:17 pm to OldHickory
quote:
I automatically assume that any husband and wife who have different accounts will end up divorced.
Damn. That’s pretty ridiculous. It’s not that serious.
Posted on 8/6/22 at 12:19 pm to auwaterfowler
Just one account - husband works to put money in so I can spend it 
Posted on 8/6/22 at 12:21 pm to auwaterfowler
We have separate for the spend on whatever dumb shite you want with no repercussions account.
Posted on 8/6/22 at 12:22 pm to StringedInstruments
quote:
But when kids are involved, it would be complicated. I wouldn’t want my wife and I to have to sit down and figure out whose turn it is to replace little Timmy’s jeans he ripped on the playground.
That’s making things way more complicated than they have to be. Each may have expenses they pay. For example, the husband may pay house payment, his auto, home insurance and property tax. She may pay for groceries, utilities, clothing the children, school things.
Once you decide who pays what its no more problem than doing it from a shared account.
To each his own. Either can work or either can be a problem. I agree with the guy that said it can avoid ticky tack arguments over money. If a spouse is going to lie about money you probably have more issues than that.
Posted on 8/6/22 at 12:23 pm to auwaterfowler
My wife and I got married right out of college when we had 0 assets. Shared accounts for us since the beginning
Posted on 8/6/22 at 12:23 pm to OldHickory
quote:
I automatically assume that any husband and wife who have different accounts will end up divorced.
So you have trust issues in your relationship.
Posted on 8/6/22 at 12:30 pm to auwaterfowler
My opinion: There is no marriage without joint accounts. It's just a business transaction otherwise. My money is hers, and her money is mine.....all money is ours. We have had zero fights about money, ever.....which is the #1 cause of divorce BTW
Posted on 8/6/22 at 12:34 pm to auwaterfowler
In the times of online banking, I can’t see the problem. We have “separate” accounts in the literal sense but she can move money from my account to hers in less than a minute and vice versa. Plus we can see each other’s transactions, I have all the bills coming out of mine so it works well for us.
Posted on 8/6/22 at 12:35 pm to dragginass
quote:
There is no marriage without joint accounts
So you may agree on most important matters, actually like each other, have a good sex life, trust each other, but if you don’t share bank accounts there is no marriage
Makes sense
Posted on 8/6/22 at 12:36 pm to auwaterfowler
Wife and I don’t solely because we have business/practice distributions that flow through our personal checking accounts. It’s easier to reconcile at the end of the year.
We have a joint savings, all our banking is with one local institution, and have access to each other’s accounts.
ETA: our joint amex account flows through one checking account that is essentially a ZBA.
We have a joint savings, all our banking is with one local institution, and have access to each other’s accounts.
ETA: our joint amex account flows through one checking account that is essentially a ZBA.
This post was edited on 8/6/22 at 1:58 pm
Posted on 8/6/22 at 12:37 pm to Beauw
quote:
n the times of online banking, I can’t see the problem
I get the feeling that most of the people that absolutely insist on a shared account have no clue about online accounts
Posted on 8/6/22 at 12:39 pm to dragginass
quote:
My opinion: There is no marriage without joint accounts
This just tells me the people are bad with money
Posted on 8/6/22 at 12:43 pm to auwaterfowler
We have a joint account, but we also both maintain our own separate accounts.
Joint account is for household expenses (bills, groceries), meals out together, travel.
Personal accounts are for everything else.
Every couple is different, but this works for us.
Joint account is for household expenses (bills, groceries), meals out together, travel.
Personal accounts are for everything else.
Every couple is different, but this works for us.
Posted on 8/6/22 at 12:43 pm to auwaterfowler
quote:never ever have to question anyone on any purchases or spending
Is Separate Checking Accounts For Husband And Wife
I highly recommend
Posted on 8/6/22 at 12:45 pm to dragginass
quote:wut?
My opinion: There is no marriage without joint accounts
I mean we obviously have joint accounts, savings, brokerage, etc.
But money is moved into those via our checking accounts.
Posted on 8/6/22 at 12:53 pm to SuperSaint
Yup, people need to learn to have multiple accounts for different shite. Pretty simple.
Bills account/investment accounts/entertainment account/separate checking to do whatever the frick you want account.
Bills account/investment accounts/entertainment account/separate checking to do whatever the frick you want account.
This post was edited on 8/6/22 at 1:04 pm
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