<prompt> Human: Ill keep it short. Im 25 and my fiance is 24. We currently own our own home together, and use a joint account that we always keep 2,000 in for emergencies and bills. But with us getting married soon shes mentioned joining our finances to be clear, there is NO way this girl is out for my money, Ive been with some crazies, she isnt one. But for her I think it means a trust and security thing. The issue arises when you consider she has about 1,500 total in her bank account, but because Ive always been a neurotic saver, I have about 70,000. To get a prenup wed have to pay significant lawyer fees and while I have alot in investments, I try not to touch those, and really in my day to day accounts, I only have a few thousand kicking around. I was thinking we simply jack up our joint account consistently. Like constantly put in more, so that eventually the majority of most of our money ends up in there. We might each only have a few thousand in our personal accounts that would be ours to spend, but the joint account would be shared by us and might have 20,000 in it eventually. To be clear, with the joint account, we ALWAYS and strictly contribute identical amounts to it for fairnesss sake. I love her to bits, and am going into this not expecting failure, but Im a caution oriented person, and just making my net worth shared strikes me as a frankly stupid move. I dont think well ever get divorced, but hell, who does? We all know the divorce rates. Thoughts? Other possibilities? Suggestions? Or how even to make the big joint account sound more appealing and less Im-protecting-my-money-for-when-we-get-divorced-ish? Thanks all!  <response>: Why even try to make it sound different from I am protecting my assets? Thats what you are doing, isnt it?Just tell the truth, say I am protecting my assets in case we get a divorce.Why even start with the lies before you tie the knot?Why do you even want to be married if you dont want to fully commit to the relationship?Seems like you are trying to go half in on this without admitting it either to yourself or your partner.If thats what you are talking about, at least understand it and be honest about it.Also, just to throw it out there, ALWAYS contribute equal amounts isnt necessarily fair. If one person is making 100k and another 10k and they both have to pay half for all the bills, one of those people would probably consider the arrangement to be unfair. Realistically, its hard to come up with something that really is fair unless both people are making exactly the same amount.When dealing with a pay disparity and trying to keep accounts separate, usually one person feels like they are being taken advantage of while the other usually thinks the arrangement is fair.Not saying that applies to you, I am just saying you should understand that before you go in.Usually, the person who is getting the most benefit from the arrangement is the one to think its fair, and you think its fair, so you might inquire if your partner feels to some extent like they are getting screwed by the current arrangement.Based on the fact that you have infinite money and that she barely has any, thats another sign that you might want to have such a conversation. It may just be that you are the one that is, wittingly or no, benefiting from the current arrangement.Before you suggest jacking up the amount you both put in, you definitely want to consider how an equal raw dollar amount impacts both of you. It may be the case that you have 2000m after bills per month and she has 200m. Jacking up by 200m each may bring you to 1800m left and her to 0m left, even though its fair.To be clear, its appropriate from a PF andor risk management perspective to Protect your assets, but its not entirely clear that its to your relationships benefit. Prisoners Dilemma.Also, to be clear, its important to tell the truth and to think about things from your partners perspective before you go into this kind of thing. 