<prompt> Human: My wife and I cant work on our finances. We have 15K plus in debt plus her student loans. It seems impossible to talk about our finances civilly. When I get home, I want to go see a financial consultant. What does reddit think about separate accounts. One for her, one for me, and one joint for household expenses. I was thinking each would give equal share of there income to the joint account, enough to cover the household expenses. This is ligament, I love my wife vary much but money is always a problem. Its is not an account to hide cheating or any crap like that. Thanks reddit  <response>: My wife and I cant work on our finances. We have 15K plus in debt plus her student loans. It seems impossible to talk about our finances civilly. When I get home, I want to go see a financial consultant.You shouldnt be looking for a financial consultant, what you need is a marriage counselor. 