<prompt> Human: Hi all - I recently got married and we are working on our finances. We have lived together for about a year and have worked out expenses as they came up but I would like a more structured way of dealing with shared expenses. My husband doesnt have a bank account so he has his checks direct deposited into my checking account - this has been working but I dont want to keep the responsibility of being in charge of everything if he wants to use his money. I also think he feels a little weird about asking me for money for specific things he wants. I freely spend on what I wantneed but he doesnt have that freedom. He also isnt able to see what is available to us so he doesnt really have any ideas about our budget which makes planning things together difficult.Were thinking about taking advantage of Chases incentive of 200 to open a checking account for him. I have two accounts with different institutions and am considering changing one to a joint account for shared expenses and date money. This way we would each have one account and then have one joint account between us. Neither of our parents are great with money so I dont really know how to do this joint stuff successfully. I also would like to be set for the future if something unexpected came up. How do other couples handle expenses and accounts? Is there an ideal percentage or amount we should be putting into the joint account over our known monthly expenses? How should we plan for unexpected expenses - would a joint savings account be appropriate or should we save independently?I took a look at the rules and linked subs and wasnt able to find somewhere more suited for this question so Im sorry if this is out of place  <response>: Two theories Ive heard. 1. Both on a single account, everything goes in there.2. 3 Accounts: Joint, His, Hers. Play money goes into the HisHers and everything else goes into the joint account. 