<prompt> Human: So some brief background. 4 years ago I made around 60k, and had around 30k in my savings account. I was single and didnt go out a lot, so I always saved a huge chunk of my paycheck.Around this time I started dating my now wife and felt like with my nest egg we could live it up a bit. When we moved in together 2 years ago, my bills expenses went way down, at the same time I scored a new job paying 86k and better benefits.I thought my savings would now explode and that even saving up to 100k was possible. Things looked great!Fast forward to today and my savings is damn near empty. Between our wedding, the rings, our honeymoon, two new cars, and a few other big things like nice brand new furniture, my savings account once 30k was quickly under 10k!I knew wed blow a lot of money on this stuff, but I assumed with my huge raise and our low bills, that Id get most of it back in no time. Wrong!In the last 12 months my savings has slowly crawled up from about 9k to 11k. I cant understand whats going on! Ive never tracked my spending nor made a budget before l, but now I feel I have to.Can having a partner really just burn money so fast? People had jokingly warned me but I can see theres truth to it.My bank has some auto budget features and it categorizes most of my spending as entertainment and travel.I know we eat out a lot, love going to concerts and movies, and I also eat out 5 days a week at work too.According to my banking app I am pretty much putting out roughly what Im taking in! Yikes! Getting paid more than ever yet somehow slowly going broke.How do I reverse course? I feel like I need to carefully track my spending and write out a budget? And start being more stingy?One thing that complicate matters is the wife and I still have our separate bank accounts and neither of us has visibly or access to the others. We split bills at the end of the month down the middle and take turns paying for stuff like groceries. I cover every big expense like major life purchases due to having more savings.Should we combine into one joint account? I know thats kind of a broad question to throw in with the rest, but does combining generally make situations like this better or worse? Wife makes around 70k.  <response>: I feel like I need to carefully track my spending and write out a budget? Asked and answered. This is exactly what you need to do.Involve wife in discussion so she understands what is happening. Even if you dont join accounts, you should be budgeting and planning together as a team. 