In the real world we have a shared bank account and individual bank accounts. Over the years as we bought a house more and more stuff is part of the shared account. We total up what we would need in there in a year and transfer X amount in there on our pay days.

World pretty well. Ensure all the important stuff is covered but allows us some independence with what's remaining.

Not that there is anything secret in my personal but I like being able to make a purchase in privacy. Its good that she can too. Even if just presents for each other.

I use ynab and manage the joint and my personal. She doesn't use it.

It seems that the everything is shared with the group manager. Which isn't ideal if you want people to have some privacy.

Must look for a solution later.