<prompt> Human: So my boyfriend 22 I 18 want to start saving up money so that we can start going on road trips around the state and for when we decide to move in together. Im pretty good at saving up money, while he struggles with it. Hell save money but eventually end up using it due to low funds lack of self control. In past situations, well decide to save up together for a trip hell start to save up and then later on Ill ask how much he has saved up and hell explain to me how he needed extra funds for something. I know that opening a separate account would be better for us because there wont be that option of using that money with out consulting me. We both dont really know jack about finances or saving up so if anyone has tips or personal experiences of opening a joint savings account that theyd like to share, it would be greatly appreciated. One specific question that I do have is if we should go to a different bank for our joint account. He has Wells Fargo and I have BofA, would a different bank be better and if so, which?  <response>: Thats not how joint accounts work. Wont you be surprised when he withdraws your saved money for a random expense. Better have him give you 20 a paycheck and you put it away if you are the one with financial discipline. 