<prompt> Human: So, im at that point where me and my wife are combining income and im looking for advice. We have been together for 5 years and dont see a separation anytime soon but then again, who does?.Neither of us are stupid enough to believe divorce is not a possibility in future, we cant predict the future but we obviously dont believe it will happen. We have lived together for years and understand each others money usage. We have split all bills, food, etc. for a long time now. There is no debt besides the mortgage between the two of us. No credit cards, no student loans, no car payments.Up until this point we have basically used my bank account for everything and she writes me a check twice a month for half of what we spend. I say half because its a set amount each two weeks and obviously spending fluctuates month to month but the amount we have done is a good average month to month. This has become annoying and pretty troublesome. One thing that we want is to have transparency but yet also independence. We want to be able to know what each other are spending from our money but also want the ability to have money independent from each other. I think this is good for each others independence and ability to spend personal money without each other knowing about it. If I want to buy her a necklace I want that to come out of my money, not our money. Likewise, she wants to buy a dress from her money, not our money, without me knowing which i fully understand and support. So im looking for how you guys have your bank accounts, savings accounts, credit cards, etc. set up with your wifegirlfriendhusbandsboyfriends. Any and all advice is welcome. Thanks  <response>: Just get a joint checking account. Both of you put into it, and both can pull out to pay bills. Both of you can acces it for transparency.If you have another account, I would decline using them as overdraw protection when me and my GF did this it would show how much protection the account had, meaning I know how much my private acct had, so now I knew how much was in her private account. 