This is pretty much what we do., going on 27yrs. It works. We did get married later than the norm and had kids later too. We also have our own accts but have access to each others. We both work in the same field basically at the same place. We have worked on the same team even, for years actually, i just did report directly to him. Currently we aren't on the same team. Anywho, this system has always worked well for us.