<prompt> Human: Hello PF!Im recently married, and we are finally past the point of wedding decorations taking over our apartment and now were starting on all the fun paperwork stuff. I have a few ideas about how to move forward financially but I would LOVE some input on these ideas and any good tips that have worked for you! We are both mid-twenties.RetirementThis is my main question. We each make 62k but there are a couple differences. Im on an 8020 bonus structure, he is not. I have a 401k, he does not. Does it make sense for us to have a joint IRA or Roth, or for him to have his own account and keep things separate? If so, IRA or Roth? Preferred company? I was thinking Vanguard.Savings accountsWe currently have our own personal savings and one joint savings. Because of the way interest works, does it make more sense to throw everything into one and to track our savings goals within that lump sum? Or keep them separate and have a goal for each? Like one for an emergency fund, one for a house fund etc.Credit CardWe both currently have two credit cards. Im generally better and getting everything paid off in full every month, and hes been working on chipping away big purchases like an engagement ring!. Were looking into closing one credit card each, then getting a new credit card that we can make the other an authorized user. Wed like to use this for every day expenses, pay off in full every month and rack up rewards. Looking into Uber Visa - kind of a new one, but they have a good cashback program.Joint expensesCurrently we have a joint checking, and individual checking accounts. All of our joint expenses are taking care of out of that account, and then we have a little fun money of our own through our personal checking accounts. Ive been making my student loan payments out of my own account. I like that setup generally, we still have a little but of my vs. his vs. our money, but most of our paycheck goes to our joint. Any other really successful models you recommend?DebtConsidering we just paid for a wedding, were in a good spot! No joint debt, I have 10k left in student loans, he has maybe 2k in CC debt. Im paying more than the minimum but its not a priority to do more since Ive heard student debt is good debt to have as long as payments are being made.Edit: Feedback so far is that even though student debt is better than CC debt, we should focus on knocking this out sooner rather than later. Now that the wedding is out of the way we can definitely do this.Thanks so much for your time!  <response>: You cant have a joint IRA, the I stands for individual. I would highly suggest you both open separate Roth IRAs though. You could open them at the same brokerage and give each other access to them, this would make them somewhat joint. Vanguard is fine, Fidelity and Schwab are also popular and equally good. You wont gain any additional interest in your savings accounts by pooling the money, unless your bank does a tiered interest rate thing where you get a better rate for a bigger balance. Avoid closing a card if its one of the older accounts, that can hurt your score. Obviously you guys should focus on getting the current debt paid off and then strive to pay things off in full going forward. Student debt can be acceptable if the interest rates are low, if yours are north of like 5 I would make that a priority instead of doing the IRAs. Good luck! 