text:  Couples might put all their money into that one joint account and then agree to a certain percentage or spending limit to claim as their own on a monthly basis. Brian Podman says this approach is best for anyone who might have hangups around the lack of privacy from a fully merged bank account. That can provide some of that psychological safety. It can also provide each person with a bit of autonomy to say, I'm going to spend the money that's in my account the way that I want to spend it, or I'm going to save it up forever and ever and you can't tell me otherwise. None of us want to feel restricted.