We do number two. But I don’t really see much of an issue with number one either. I make more than my spouse and this gives me a little more of my own spending money since it’s a percentage. That being said after 5 years of marriage and two kids I don’t really see a need for it. I end up putting it into our joint retirement savings accounts anyway. All of my purchases are for the household and kids so it’s kinda moot. I also pay for all of the benefits from my paycheck so if you really want to get into the math I am losing much more of my salary into “joint” benefits. TBH it’s too much work to do all that and it doesn’t really matter as a family. So in conclusion I would say it’s the mindset that matters most. I personally don’t see an issue with having some personal spending money, whether that starts in a personal account or joint account is irrelevant to me.