View Poll Results: Joint money or separate money?

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  • Joint Money

    144 79.12%
  • Separate money

    38 20.88%
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  1. #1
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    Married Fanatics: Joint money or separate money?

    The in-laws thread reminded me...I have been surprised recently at the number of my co-workers who are married that keep their money separate. Not that I was surprised it existed at all, but of my close peers: with a generous definition, I'll put that population at 7...3 I know are separate, the other 4 I don't know, but would guess at least one more for sure separate (he's multiple divorced), one more possibly separate, one pick 'em, and one possibly joint. I'm the only one I know of who has shared money.

    One of them has told me about the arguments he's had with his wife over who pays for what (although, I'm becoming more convinced that arguing is their foreplay), and I can't fathom going thru an argument over whose money pays for what...

    but on the other hand, I also know of a guy who lied to his wife about how big his raise was and skimmed money off into a secret bank account via direct deposit for the stuff he wanted to buy but his wife wouldn't approve of. He played cards with buddies, and claimed he bought the stuff with his winnings which he overstated weekly.

    I think both of those are ridiculous, but what's everyone else's positions on it?



  2. #2
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    Re: Married Fanatics: Joint money or separate money?

    It doesn't matter. Cause when she leave your *** she gonna leave with half.


    Been there. True story



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    Re: Married Fanatics: Joint money or separate money?

    Well, then....sorry for your loss and all...



    I guess maybe the best answer is 'whatever makes you fight the least', but I just can't get over having to have a discussion over who pays for what....obviously, my clothes, my money, but what about the kids? (You were in such a hurry to have them, you pay for them) My co worker was talking about how his wife was complaining about a shirt he was wearing having a stain on it...she said he needed new shirts, so now he figures she's going to pay for them....



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    Re: Married Fanatics: Joint money or separate money?

    Personally I think it's a little crazy to do separate, unless you both make about the same wage. Otherwise it just seems selfish.



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    Re: Married Fanatics: Joint money or separate money?

    Quote Originally Posted by KnappShack View Post
    It doesn't matter. Cause when she leave your *** she gonna leave with half.


    Been there. True story




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    Re: Married Fanatics: Joint money or separate money?

    After you're married I can't imagine doing separate but my inlaws do it. They each pay certain bills every month. IMO you have to have one person who is a little selfish with their money and probably one who just doesn't care that much about buying stuff.



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    Re: Married Fanatics: Joint money or separate money?

    Stupid to do seperates, it is like your roommates and are half assing your marriage. When you get married you combine your ENTIRE lives.



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    Re: Married Fanatics: Joint money or separate money?

    My wife and I have a joint account that a percentage of each of our paychecks go into. This is used for entertainment or household items. The majority of m paycheck stays in my account. We split bills. Se pays all utilities and I pay the mortgage and insurance. Each is responsible for their personal bills, such as car or student loans.

    i think it actually reduces disagreements about spending because if she wants to buy a car that I think is a waste of money, she can. Vice versa, I don't hear any ******** when I bring home a few $10 6 packs.

    Ill admit there's some selfishness in it too. I make about $15k more per year than she does, and I don't always approve of her spending habits. Not because they're out of control, but because I am very cheap. By each keeping a separate account, I think we avoid a lot of financial controversy, which is statistically shown to be the biggest cause of divorce.


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    Re: Married Fanatics: Joint money or separate money?

    Getting married is taking two lives and forging them together. That means one bank account, form common goals and compromise. Set a budget that you both agree on, and stick to it. We allocate money each month for personal use that goes towards clothes and goof off money, that way we can still buy stupid stuff and not be able to say anything about it to the other person.


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    Re: Married Fanatics: Joint money or separate money?

    Joint, but then keep a personal separate account that she does not know about.


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    Re: Married Fanatics: Joint money or separate money?

    Quote Originally Posted by Al_4_State View Post
    My wife and I have a joint account that a percentage of each of our paychecks go into. This is used for entertainment or household items. The majority of m paycheck stays in my account. We split bills. Se pays all utilities and I pay the mortgage and insurance. Each is responsible for their personal bills, such as car or student loans.

    i think it actually reduces disagreements about spending because if she wants to buy a car that I think is a waste of money, she can. Vice versa, I don't hear any ******** when I bring home a few $10 6 packs.

    Ill admit there's some selfishness in it too. I make about $15k more per year than she does, and I don't always approve of her spending habits. Not because they're out of control, but because I am very cheap. By each keeping a separate account, I think we avoid a lot of financial controversy, which is statistically shown to be the biggest cause of divorce.
    All this for my wife and I as well. We don't have a joint account at all, though. I just pay the common bills and she writes me a check for half of the total.

    Keeping finances separate definitely holds down the arguments over money......absolutely. She can buy what she wants, and I can buy what I want. Just like you, I'm a cheap MF'er.....my wife is too, but she still spends money on things I wouldn't want my money going toward at times.



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    Re: Married Fanatics: Joint money or separate money?

    Been married about 8 years and we do seperate. I make more than 2x she does, so we just set it up that she puts in $x towards our mortgage and the balance goes to her spending money.

    I take care of the bills and the rest of the mortgage plus most of our going out expenses.


    It has worked out well for us both stay fiscally responsible and if one of us wants to make a big buy and the other doesn't care about it, forces us to save for that buy.

    I think if we had just a joint account I would be ****** everytime she went shopping and she was be mad everytime i hit up a bar.



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    Re: Married Fanatics: Joint money or separate money?

    I have been married to the same woman for almost 45 years. We have never had a quarrel about money. We combined our lack of money on day 1. She is the family bookkeeper and pays all the bills. We each have some income that is ours to spend and never sees the bank account. If either of us wants to make a large purchase that we cannot make out of our individual funds, it is a joint decision. She is a financial conservative. I am a bit more liberal with my spending habits and also more daring with investments. We have balanced ourselves out quite well over the years and are about ready to enter retirement not rich, but certainly comfortable.



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    Re: Married Fanatics: Joint money or separate money?

    I just hand over the money and she gives it back when I need something. She is great at managing money, and guards the account like a leprechaun with OCD.



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    Re: Married Fanatics: Joint money or separate money?

    Joint savings account, separate checking accounts, split bills. Been doing it for 10 years and never once fought about money.



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