<prompt> Human: About two years ago, my significant other and I were serious enough to open a joint savings account together. I am not great with money, and I tend to spend anything I get. Often, I spend any extra money on paying off student loans, but that doesnt negate the fact that my personal accounts frequently hover close to zero. With one joint account, we each deposit a set amount every pay cycle. That money cannot be touched for anything besides the already budgeted necessities like rent, groceries and the electric bill. Because we deposit slightly more than we actually need, in a relatively short time we built up the account and now both have easy access to roughly 2000 in case of emergency. I would never have been able to do this alone, but knowing its our money as opposed to my money means I leave it where it is. I would only use it in a real emergency. Assistant: I was half expecting this to be a long-form joke that ended with spending your S.O.s money! hahaCongrats on figuring out a method of saving that worked for youHuman: Im not that funny, unfortunately. But Id rather have a solid savings account than jokes I think.If things ever go south in our relationship, theres no guarantee I wont take it all and run. But it seems unlikely. Im glad to have finally found a level of accountability that works for me! And maybe someone else out there, too.  <response>: Its official, this is the most humorless sub on reddit. 