<prompt> Human: The other day i discussed opening a joint savings account with my fiance. We have saving to do for a wedding, and buying a house. We plan on doing everything in about 2 years, assuming none of us get a pay increase in that time. She is almost finished with her masters, soon to get a raise at her job, and I am as well in my career. She does not want to open one yet, mainly because her colleagues told her it isnt a good idea since most of them are years into their marriage, and also because she isnt personally into it either until marriage. We have a wedding that we wants to save for, as well as a down payment on a house. We have our checking accounts for personal use. We plan on splitting the cost of mostly everything, as she insists on working for a few years so we get boost in income. Is a joint savings account really a bad idea at this point? Or should I convince her otherwise? Is there a better option? Edit: For clarification, my reason being is just so we can save our money in the same account, because we are equally saving for the same thing. We are new to finances and obviously we have a lot to sit down and talk about. I apologize if this comes off as a relationship post, but i assure this is not. We are fine, our only concern is our finances regarding the future. Thank you  <response>: I can sort of see why. My partner and I are unmarried and technically not even engaged, but we have a joint checking account to make paying the bills easier.We are both comfortable with that because were only putting a small percentage of our money into it just enough to cover the bills. Even if things get ugly and someone drains the account, it wouldnt be a huge loss.A savings account is different, though. Your savings accounts hold the majority of your net worth and I would be hesitant to combine my savings with someone I werent married to. 