When I married, three decades plus ago I made one strategic correct decision, no joint accounts, ever. My wife who is a doctor keeps her money in her accounts and I do so in mine. No joint accounts, no bickering about who spent what. I pay for my bills, pay for agreed house bills and my wife does the same. We have never argued about money or who spent what on what they wanted. Kids get taken care of, house is warm and comfortable and the gun room is full. Life is good.