<prompt> Human: My partner and I were discussing how our finances would be split in the event that we were to get married.My partner would like for there to be three accounts: one account for the bills, necessities and together funds to be split based on income proportionality, and two separate accounts for his and her money to be spent however they see fit. I would like one joint account. After bills are paid, then we have equal spending money and keep open discussion about purchases exceeding x amount of dollars. We cannot seem to get past this. My partner likes the idea of having their own, independent and separate funds from me. I like the idea of having our money that we budget together. For the sake of detail, my partner will likely be making at least 1.5x the amount that I will be making think 80k vs 60k.What would you do? ___tl;dr - my money vrs. our money  <response>: Separate accounts for spending money, 100 A It retains the ability to surprise each other. I check my bank accounts daily, if my SO and I shared one account for everything, theres nearly no way she could surprise me for a birthday, Christmas, whatever. B Minimize bickering about stupid shit. I cant stand that my girlfriend drinks a Red Bull every fucking day. It makes me crazy. Weve been sharing my account for a few weeks long story, shell be paying me back and every time I check my bank balance and see a goddamn Red Bull it makes my blood boil. But guess what? If its her money, and shes not bankrupting us, it really doesnt matter what I think. Once we have combined finances Her spending money is her spending money and if she wants to blow it all on something I dont like, its not my business. C Gives both people freedom and control without affecting the other person. Lets keep up with the Red Bull concept. My girlfriend is someone who doesnt need or want big things, she wants to buy her Red Bull and pack of smokes every day, eat for cheap, and get on with her life. I like more expensive things, more expensive food, more expensive clothes, etc. By keeping our personal spending money separate I can choose to not spend anything for days, then buy something pricier and she can choose to spend 10 every single day and neither of us is affecting the other. Why is it your business if she makes a purchase over X as long as its within budget? If I save my money and want to drop 100 in one go instead of spending 5 on twenty different transactions, how is that different? Its not. The consult me if youre spending more than X of your own money comes across as really controlling. Divide up the money thats left after bills and savings between the two of you, and leave each other alone. 