<prompt> Human: Im curious what other married couples do to track finances, spending, and retirement assets.In my situation, my husband and I each have our own accounts and both track our own finances using mint. We see the money as ours and chat occasionally about spending and savings. However, I have been wondering if we should get open a third mint account with all of our accounts together. I dont want us to question each other on our spending, but I have a feeling that it might provide a more realistic picture of where we are spending and give us additional incentive to make better choices with our money. Thanks in advance for your responses.  <response>: We have 2 joint accounts checking and savings and do a household budget in YNAB. We discuss any purchases together We both know the goals we are working toward and spend based on a balance of that, our values, and our desires.We do not make the same amount of money. There is no her money and my money. We do not question or guilt each other on purchases. We do not base each others worth on the amount of money they bring to the relationship or worry whether someones spending is disproportional the others during any arbitrary time period. 