<prompt> Human: EDIT: Wow. Thanks for all the input. Currently on payday I set aside all my bill money into one account, put everything allocated to savings into another account, and put the rest for food, gas, and discretionary spending into a third account. After reading the feedback here I think Im just going to make the third account a joint account and see how it goes.  <response>: I have been married for 48 years, and have been a stay-at-home mom most of the time. We have one bank account. It has been my job to take care of the money. We are good at talking about money and have kept no secrets. We saved money regularly, and he is in charge of investments. Now retired, we live in a paid for and nicely remodeled home. We have no debts, live mostly on our social security and have about 2.5 million in investments to enjoy. You can do it! 