<prompt> Human: Hi all-just like the title says, I have just finally gotten married after all too long!Now is the easy part, after saving and spending every dime over the last 14 months, we can begin to restore our savings. Weve discussed and divided up all the bills and how we are going to keep our own individual savingschecking accounts. However, question on the gifts weve been given. Some are made out to both my full name, and her first name with her new last name. Is there nothing we can do with these checks until at least our marriage certificate comes in? And do they absolutely need to be enough entered into a new joint account? Concern is only when we do apply for a mortgage, it will be only under my name due to student loans and a lower income on hers. My only worry is by having a joint account, will they automatically need to add her to the mortgage as well? Thanks PF!  <response>: Not what you are looking for, and it will get downvoted , but I think keeping separate accounts is generally not the wisest idea. It is hard to get behind the same goals and can be a breeding ground for bitterness and resentment. But, you guys have your own lives. Best of luck! 