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re: Spin-off From Another Thread: Is Separate Checking Accounts For Husband And Wife…
Posted on 8/6/22 at 4:20 pm to thermal9221
Posted on 8/6/22 at 4:20 pm to thermal9221
quote:
Don’t think it’s the norm.
Seems to be the norm for younger couples.
We have a number of friends with separate checking accounts. They are 40ish or younger. They always argue about money. I’ve also noticed they live paycheck to paycheck and have no savings to speak of.
0
Posted on 8/6/22 at 4:24 pm to CaptainsWafer
quote:
39 and we’ve been having joint account since we got married 10 years ago.
Misread this, so we are the opposite. So perfect, we each buy what we want and pay our share of bills and never once have we had a fight or disagreement over finances.
This post was edited on 8/6/22 at 4:25 pm
Posted on 8/6/22 at 4:33 pm to Mingo Was His NameO
quote:
I meet my eventual wife.
Well you don’t have to ever worry about that mingo
Posted on 8/6/22 at 4:54 pm to auwaterfowler
I do the taxes and finances for our family, and this seems like a nightmare. It’s complicated enough with 3 kids and a variety of recurring and non-recurring expenses. I can’t imagine trying to allocate all of that across two different accounts. 2 accounts might work for young newlyweds with few expenses.
Posted on 8/6/22 at 5:01 pm to pelicanpride
quote:
I do the taxes and finances for our family, and this seems like a nightmare. It’s complicated
Posted on 8/6/22 at 5:15 pm to Oates Mustache
quote:my wife and I have separate accounts. I pay all the bills. The only screwing I get is voluntary and while naked
Unless their salaries are identical, someone is getting screwed unless they assign a percentage of weight to the bills, based on how much each person makes. So yeah, it does matter.
Posted on 8/6/22 at 5:20 pm to C W
We file jointly and have 3 dependents. We don’t itemize, so the taxes might not be awful. But I sit down annually and take a holistic look at all of our investments as well as our expenses. Doing the financial rebalancing for my husband’s retirement accounts takes longer than everything else together because he always forgets his login information, and I can’t technically call Vanguard on his behalf. It frustrates the hell out of me. I would pull my hair out if I had to manage another account in his name.
I guess it comes down to personality types. My husband is the smart one really. He decided to marry a woman with a financial background who he can trust, and he doesn’t even think about it at all. He doesn’t even know where all of our money is. A separate account would become my headache, but I’m sure it can work in some relationships.
I guess it comes down to personality types. My husband is the smart one really. He decided to marry a woman with a financial background who he can trust, and he doesn’t even think about it at all. He doesn’t even know where all of our money is. A separate account would become my headache, but I’m sure it can work in some relationships.
Posted on 8/6/22 at 5:23 pm to auwaterfowler
Separate for everything.
We just kind of roughly split major expenses. I pay the mortgage and various insurance policies and she pays for school and child care. Groceries and trips and household goods are just bought by whomever along the way.
It works well for us. If I come out behind every year (which I probably do) I don’t care. Either we stay together and it’s all joint assets in the end or we get divorced and eating canned beans from aldi and sadly jerking off to the sears catalogue.
Admittedly this works for us because we both work, hate shopping and hoard our sheckles. Investments are jointly discussed although typically separately funded.
We just kind of roughly split major expenses. I pay the mortgage and various insurance policies and she pays for school and child care. Groceries and trips and household goods are just bought by whomever along the way.
It works well for us. If I come out behind every year (which I probably do) I don’t care. Either we stay together and it’s all joint assets in the end or we get divorced and eating canned beans from aldi and sadly jerking off to the sears catalogue.
Admittedly this works for us because we both work, hate shopping and hoard our sheckles. Investments are jointly discussed although typically separately funded.
Posted on 8/6/22 at 6:54 pm to auwaterfowler
Wife and I have one account. My parents have separate and consider all their money separate.
Posted on 8/6/22 at 6:55 pm to auwaterfowler
We have a joint account fir bills & household expenses, but we have separate checking & savings accounts.
Works out great.
Works out great.
Posted on 8/6/22 at 7:13 pm to auwaterfowler
We have always had joint accounts.
Married 31 years and counting.
I guess I just trust her.
If I’m wrong, at this point, it’s too late anyway.
Married 31 years and counting.
I guess I just trust her.
If I’m wrong, at this point, it’s too late anyway.
Posted on 8/6/22 at 7:39 pm to auwaterfowler
We got separate. But with me being sole proprietor and we take care of the bills in a predetermined way, separate accounts works works.
Posted on 8/6/22 at 7:41 pm to auwaterfowler
No woman should ever have unfettered access to her husband's money.
Posted on 8/6/22 at 7:44 pm to OldHickory
quote:
I automatically assume that any husband and wife who have different accounts will end up divorced
I find significantly fewer money issues when we are both responsible for our own accounts. Come together for bills, it works well
Posted on 8/6/22 at 7:55 pm to auwaterfowler
Yes we each have our own accounts and household account
Posted on 8/6/22 at 8:01 pm to auwaterfowler
Had a joint account for 10 years. It was terrible. My wife had no concept of when or what bills were needing to be paid. She also had no concept of a budget. I got my own account. She was upset but we never had a single issue with money since that day.
Posted on 8/6/22 at 8:05 pm to auwaterfowler
My wife and I are getting divorced currently. I make about 50% more than her and wanted a joint account for all the bills to start with, she didn’t. Turns out she was hiding a bunch of debt from me that I didn’t find out about until 2 years in.
She now resents me because she pisses away all her money while I was putting mine into retirement and the house. She wanted me to spend even more on her other than paying al the bills.
She now resents me because she pisses away all her money while I was putting mine into retirement and the house. She wanted me to spend even more on her other than paying al the bills.
Posted on 8/6/22 at 8:06 pm to auwaterfowler
Wife and I have always had joint accounts, we are “married”, not roommates sharing a house , and splitting expenses. It is all “our” money, a concept a lot of people in this thread seem to have no concept of. If you are managing your finances with the idea of preserving your money in case of divorce, just go ahead and get a divorce, you are wasting each other’s time.
Posted on 8/6/22 at 8:39 pm to auwaterfowler
Spin-off From Another Thread: Is Separate Checking Accounts For Husband And Wife…1 checking account here
Obviously whatever works for each couple but personally I just can't fully grasp why 2 works better than 1.
Obviously whatever works for each couple but personally I just can't fully grasp why 2 works better than 1.
Posted on 8/6/22 at 8:42 pm to BluegrassBelle
quote:Y'all are brave.
(not married yet) but he has access to mine and I have access to his
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