<prompt> Human: I utilize YNAB and custom made spreadsheets since I have multiple credit cards never carry a balance, just collect points and balance everything daily. My SO uses a different method by placing pieces of their paycheck into different savings accounts and not as OCD about tracking every transaction like myself.x200B;We are of the opinion to merge accounts, but does anyone have suggestions to best take care of this while merging our different styles?x200B;Update: We talked last night and decided to combine our accounts, and her spending will be on her credit card, then well just budget for her CC payment each month with a set limit so we are combined but I dont have to obsess over every penny being spent. Thank you everyone for your input! Im excited to combining our lives, including our finances.  <response>: Ive been married 18 years and all of our bank accounts are joint at this point, but our ccs are all separate, though we share the information with each other. I would definitely have one joint checking and probably joint savings accounts to pay for and save for planned expenses together, but if people also want their own accounts for personal spending, I dont think its a big deal. Just agree how youll divide things between mine, yours, and ours and not to charge up debts without agreeing. So credit cards all get paid off monthly, etc.My husband is a spender. He had a separate checking account in addition to our joint one for a while because he couldnt believe I was crediting him with his full share of personal spending money that we had agreed on in YNAB and he was spending through it every month. After he overdrew it and paid a big chunk in fees because he doesnt pay attention, he ended up deciding it was easier to just have joint accounts since I keep track of balances. Note, I do sometimes want to stab him over his financial obliviousness. 