<prompt> Human: Im wondering about the terminology we use and if its accurate. My husband and I always say we have totally separate finances and people seem to get offended or start asking things like how do you decide how much electricity each of you uses or when one of you loses your job how long will it take for the other to kick them out? And people insist our way is more difficult than joint when we both find it to be significantly easier. I find these statements really annoying and Im wondering if there is a better way to describe what we do. Currently, he makes 40 of the household income, so he pays 40 of the recurring joint bills, I pay 60. We have separate bank accounts so he pays the bills and I write him a check each month. Its usually roughly the same amount. We then look at our credit card bills and flag anything joint and then even out if needed. Rarely are there joint charges, so the entire process takes maybe 15 min a month for all bill payingfinancial stuff. We have separate retirement, checking and savings accounts, and that money is ours to do what we want with. We both max out our retirement funds each month and we both save a fair amount of our take home pay each month. If one of us were to become unemployed we have a lot of savings plus unemployment would kick in, so its not like one of us would be homeless without help. So what would you call this system?  <response>: It does seem odd, but if it works for you, who cares? People shouldnt be asking about your finances in the first place. 