<prompt> Human: Would you do it the same way again? Are there major issues you encountered etc? SO and I currently have one savings account at my choice of bank. It has both our names on it. We figured that was a good first step. Whats next?  <response>: We went all in. I added her to all of my accounts and she added me to hers. Over the next few months, we decided which institutions we wanted to keep and which we wanted to dump and migrated our funds accordingly. Being completely transparent and open with all of our finances has helped our marriage a lot. We still have a little his her money that we can each spend without having to consult the other, but it is allocated through our family budget, not through keeping separate accounts. 