<prompt> Human: This is our current line of thinking:We would like to maintain both our separate checking accounts for simplicity dont have to switch over direct deposit or all of the payment account settings across various cardsservices and personal spending freedom, but we also want to established a joint checking and savings account that we both contribute to.Is this normal? If so, which sorts of expenses are typical to allocate to the joint account vs separate accounts?Just some background: I have a mortgage in my name that Ive been paying for She has student loans and a car payment I have no other debtsAssistant: Your life will be far easier if you just make everything joint IMO.Human: Id have to disagree, should have a joint for joint expenses and a joint savings for joint vacationshome improvements, freedom of purchases to OPs point makes for an easierless argumentative lifestyleAssistant: freedom of purchasesThis sub has this weird shared delusion that somehow your spending doesnt affect the household if its in a separate bank account.Human: I think the point is that if you have disposable income, you shouldnt have to argue over things like a new dress or a computer upgrade - which would absolutely cause friction in a marriage certainly for ours. Personal purchases shouldnt be a committee decision as long as all of the agreed upon household and family liabilities have been accounted for.  <response>: Sounds like a recipe of a successful partnership to me, you got it man 