<prompt> Human: Hey PF-- I recently moved in with my lovely lady both 27, been dating 1.5 yrs. Weve been splitting most things down the middle, although I cover a little more since I make about 50k moreyr. Its becoming a hassle to split things like dinners, groceries, things for the apartment all joint expenses basically because ill lay it out and then we have to do the math every week to see what she owes me. My thinking is to open a joint credit card and put all of these things on there, rack up the points, and then each of us pay down exactly half every month. Rent is the only real shared monthly expense since I cover the utilities so she could just Venmo me that fixed number every month and thats it. She thinks we should open a joint checking account and pool money into that account for bills only we each keep our own separate accounts but put our halves of expenses into this acct. Inherently I dont think its a bad idea, but I dislike the idea of having to constantly transfer money over to yet another checking account I already have 3 and monitor that to make sure we have enough to cover this purchase of paper towels or that round of beers. So what do you think, personal finance?  <response>: Split the difference and dont have any joint accounts with someone youre not married to. Its a real mess to untangle if things go sideways. 