<prompt> Human: I need the best way to separate out our money and only give her access to what is needed for our shared expenses and whatever she has as spending cash.The only thing I can think of is to get three different bank accounts. One for bills only and the other two as a personal accounts. All monthly bills would be pulled out of the main account. The leftover would be split between the other two accounts. We make roughly the same amount of money so I dont think there would be a problem with a straight split. The only difference is some of her income is lumped together in a bonus every six months. Each bonus is about 5 of her base salary.edit. Lots of great ideas here. The solution is probably a mix of most of them. Thanks for taking the time to post.Assistant: The first point is does SHE consider it a problem and will she be on board? Because if not, this wont end well my friend. Assuming she is, because if not youve got bigger problems, alot of times education and goal setting can do what you are aiming to do here. Set a goal to reach x,xxx in your savings acct and then a reward of xx is hers. You get the point. If shes on board I would recommend a prefunded credit card that cant overdraft or NO CARD so that she must use a physical bank. Limiting access can reduce impulse buys.Human: She does think it is a problem but given the amount of time Ive tried to get her to use common sense in her spending Im looking for a solution that requires very little on her side.  <response>: Perhaps there is difficulty because youve already arrived at the problem and she hasnt yet. Sometimes walking through your thought process and vision may be helpful, but put in in context of what is important to herCan you paint picture of the future to help her understand?Honey, this is us, today, right now with the amount of money we make and the amount of spending both of us do. Were spending more than we make and here is how the future is looking for us. Were spending approximately X thousands of dollars which is Y percent more than we bring in each month and that appears to be growing. At this rate we wont have enough to pay the cableinternet bill. 60 days later we can expect it to be shut off for non-payment. One month after that we wont have enough to make my car payment. Well probably get another month before its repossessed, and well have to share you car. Two months after that we cant pay the mortgage. Within 3 months we should expect to be in foreclosure. Your car lease is a low payment, but we have to turn that in next December. So well be without cars and homeless, but well still have all of the debt. This real. This is going to happen. Its not a matter of if, but when unless both of us work to change this. This will destroy us, and Im genuinely worried this will tear us apart as money problems has to so many other couples. I love you and dont want to lose you, but this is our future unless we do something different. 