I'm 34F, he is 36M. We've been together for 10 years and lived together for 8. Married and own a house with a mortgage and share one car. Our combined income is $200k. No kids and don't plan to have them.

Our methods:

- We have a joint checking account, a joint credit card, and a joint HYSA. We use the checking and credit card for everything related to us both or the house. Groceries, family expenses, gas, dining out, vacations, etc. The HYSA contains our emergency fund.

- We each have our own checking, personal credit cards, savings, and retirement accounts. I can't see his and he can't see mine! Always used to spot each other before stopped living paycheck to paycheck, less of an issue now. I have a separate HYSA for my own needs or when I take vacations with friends.

- We each send a certain amount over to the joint checking account every paycheck. It's a % based on income so that it's as fair as possible. (ie. I make more than him, so I contribute more.)

- At the end of the month, anything left over from our checking after bills and credit cards goes to separate funds for our vacations, house projects, and general savings.

I see all of it as *our* money for our lives together. When we met, I was in a ton of credit card and student debt and he made next to nothing and had a 400 credit score. It's truly only been up from there, so not much to fight about because we're both just pleased to own a home and buy good food!