<prompt> Human: I roughly bring in 6000 a month after tax and she brings in 3000 a month. Im trying to figure out how to make it fair without having it to be 5050 in terms of costs since she makes 50 less than I do. Im trying to figure out when I budget for something, do I only take into account the joint account? Do I also include my own personal account and her personal account? How I can budget for two?Im using YNAB but other suggestions are welcome.  <response>: Put all of both of your money into the joint account and spend on all expenses from the joint account. You can split a very small portion of the income to your personal accounts for a little personal spending cash, but otherwise just combine everything. 