<prompt> Human: Im 26 and single, but i often read comments and implications by married people about how their money is pooled. I understand that there would be a household budget for bills and childcare and the like, but do you ever get to spend money on things you like without having to justify it to your partner? Ive always been so independent that I cant imagine having to explain why i bought this handbag or bought takeaway for lunch to my husband or him being angry i spent money. What are your experiences?  <response>: A lot of people will have most of their money pooled but a separate account for each partner with money to do with as they wish. How much goes into the joint vs separate is going to vary wildly by the relationship and people in it. Really, communication is the most important thing. Money issues is the number one cause of divorces. Having thorough discussions of the topic with a potential marriage partner to make sure you have compatible philosophies and approaches towards money before you get married should be a top priority. 