<prompt> Human: EDIT: Of course Id mis-type the headline.. Wife is wary IN sharing accounts.My wife uses Reddit, so its throwaway time.Weve been together for almost 5 years now, lived together for 3 of those and actually married for a little over one. Recently returned from overseas and weve collected about 43k in four separate savings accounts. I like to take control of the finances because of problems my parents had while I was growing up and my wife finds no problem with that..Heres the problem:Our emergency fund is 18k and we both have access to that, while there is 25k sitting in 3 savings accounts under HER NAME ONLY. I proposed the idea of consolidating her three into one massive account and letting BOTH of us have access to it. I also wanted to finally start a Roth IRA, pay off a large chunk of debt, etc.. but she doesnt want to do it. She wants to keep it in case of a rainy day for herself and her not-so-well-off family.I keep telling her it would make more sense for both of us to have access to everything and not have large amounts of money in four different accounts under different names, and that our emergency fund is our rainy day money. Shes pretty unwaivering and its frustrating confusing to me that she wont do it.Any way I could make some sense of this?EDIT AGAIN: Thanks so much for all of the posts so far, really has given me some insight as to how to handle the situation. Looks like well have to sit down together and really talk about her fears thoughts of combining those accounts.Just to expand on a few questions that have been asked.. I make most of the money, about 75 of the household income. Why do I have auto deposit into an account I dont have access to? Good question, I guess at the time I put too much trust not enough thought into the choice... never really had the foresight to see this becoming the problem it is today, some people call it young dumb. We are very happy in the rest of our lives, even though weve hit some bumps like all couples do.Assistant: If the accounts that she has in her name only are accounts that existed before you two got married, and have money that was contributed to only from her employmentlucky winningswhatever, I really dont see why you insist on having control over it.She earned it, without any help from you. She should get to decide what happens to it.No, Im not OPs wife. I promise.Human: Well, if OP had put all of his paycheck in the shared account and she only put some of hers in the shared account and the rest in her own accounts, then I could see why OP is frustrated. Without more context its hard to get the whole picture, but it seems like OP and the wife need to talk through this together. I doubt a bunch of rpersonalfinance talk will get her to change her mind by itself.Assistant: This is exactly it.. The majority of the money is from my income, which is eons more than what she makes... And I have a few hundred per month auto deposited into one of those accounts, which is what frustrates me so much.Human: I would stop the extra auto-deposit, asap.Assistant: Well, thats just throwing fuel on the flames.Human: Thats why I havent stopped it yet.. if she has some underlying feeling she wont tell me about, stopping that direct transfer will only worsen the situation.  <response>: If she is hoarding your cash in her name, theres something funny going on. 