<prompt> Human: Hi PF! My husband and I got married about 2 months ago, and its probably about time we got our financial house in order. This isnt really a budgeting question - more of an organization question.While we were dating, we opened a joint checking account that we each put a fixed amount into each payday to cover our mutual bills rent, electricity, internet, groceries, etc. The rest of our money stayed separate and we covered our own student loans, car payments, medical expenses, savings, and personal fun purchases. It was a good system for us to ensure bills were covered while maintaining independence. Now that were married, I think its time to more fully intertwine things and approach all bills and savings as a team. We currently have: My checking, his checking, joint checking, my savings money market, his savings through his credit union, and one credit card mine. I also have an IRA that I rolled from an old 401k when I quit an old job and havent touched since, as well as my current 401k that I contribute the full matched percentage to. He has a pension he pays into at his job. Am I right in thinking this is a lot of accounts? How should we consolidate to better manage our money?  <response>: One joint account and seperate checkingsavings is how my wife and I have done it for 20 years. It has worked good for us and I dont see it changing. 