<prompt> Human: Fiance 23 and I 22 recently got engaged and have plans on getting married in the near future. We just moved into another state for his job and are unsure on how to deal with finances and how to pay for stuff now that we live together. A little about us: He just got a really good permanent job making around 45k but that will bump up to around 100k within the next 2-3 yrs He has around 6k in student loans debt I make 40k with 20k in student loan debt Both our cars are paid and we dont have any other debt apart from our student loans Our expenses are about 1500 a month without the student loansWhat I would really want to know is how to divide our money and if we should have a joint account or not. Neither of us has any saving I know I know pretty bad but I would really like us to save some money for emergencies. Any tips on how to deal with our finances will be great as well. Ive been reading previous posts but really wanted to get some personalized advice in here. Thank you in advance!  <response>: My wife and I have a joint checking for joint expenses like rent, gas, food, etc. We each get a monthly spending allowance that moves to our own checking accounts to use however we choose.We go out for dinner? Joint account. I want an Xbox? My account. 