<prompt> Human: Been lurking this sub for awhile, first post, be gentle. As of this February we are both into budgeting, saving, tracking all spending, etc. Wondering if a joint bank account would be advantageous to our process? Unfortunately i cant seem to pull up a useful article on the internet that considers we might actually love each other and arent going to separate before the wedding. Are there typically restrictions on this pre-marriage? Any advantages or disadvantages?  <response>: Plenty of couples that are madly in love break up every day. I love my wife with every fiber of my being, and weve been together 15 years. The fact is, it could all explode tomorrow. At least then wed have the benefit of divorce court to divide up the money. Youre not special, your romance isnt special, and shit happens. A joint account to save money for a common goal like a wedding or the house down payment is solid practice for the future. Id still keep general finances separate until youre legally bound to one another. 