<prompt> Human: We married at 20, have been married 6 years now. Weve always disagreed financially Im the saver, hes the spender. When I proposed budgets before, he wouldnt stick to it and felt I was restricting him I DID make quite a strict spending allowance, I was in school and we didnt make a lot. Anyway, now hes finishing college, Im graduated, and we make combined about 100k annually. I put money aside for my own travel savings account every month which we agreed on, and I did it because it would all get spent if I didnt, but we still manage to be late on bills and overdraft because he overspends beyond what we can afford for each of us Late mortgage, no money for groceries, barely any savings and stocks left.. his poker games have cost a lot of money.., and he doesnt care about savings for retirement while I do care very much, and Id also like to save up to purchase a business of myour own.Ive been reading about jointseparate accounts, and it sounds like a perfect solution. What I think is that we could keep our direct deposits into our main checking, pay our bills which Ive always managed, put some away in joint savings, leave some in joint checking for groceriesgasdatesother joint discretionary and then separate the rest between our own accounts. Were both hourly so the amounts would vary, plus the bill cycles are extremely different.Thoughts? Has anyone else used this particular method?Edit: the last huge issue with the mortgage payment and overdrafting, he decided to stop playing the poker games every week multiple times per week, and that hed only play in tournaments, which are much less often. Thats why I think the changing of accounts would be helpful, so he can actually track what he himself is spending and on what.Edit Edit: oh my god, am I delusional??  <response>: If your husband is gambling away your mortgage payment, he is not just a spender, he has a serious issue. You likely need counseling. 