re: Married folks: bank accounts and bill paying question

We have separate accounts and split bills. I balance both accounts monthly and know where we spend our money. He's welcome to look but doesn't care. Once a year I try to print out total expenses for each category and have a discussion, but he's pretty resistant. Our savings are in good shape. we could "not splurge" so much and do better.

So separate works if you put it all in quicken and know what you are saving and spending overall. Even if you don't, who cares. I guess the only negative would be if you don't have "access" to the other's account and they run off with it. Couldn't that happen with a joint account too?