<prompt> Human: My GF suggested this last night and said there is no need to have separate accounts when we can lump everything together and consolidate. I know this is what some couples do. Is this a good idea? Were both college students.  <response>: Imo you shouldnt have a joint account with someone youve been dating for two months. Theres no reason to have any joint finances at this point.Some couples do this. Typically couples that are married or have been dating for years. 