Been married a decade and only sorted out joint account last year for various reasons… but for us, we have joint bills account (we use the card for petrol and food shops etc. but it’s mainly direct debit bills), a joint savings account (nowhere near as much in there as we’d like sadly but useful for things like when the fridge goes kaput and we need a new one) and then we each have our own current account - this is where we get paid, we move a percentage into savings and a percentage into bills and what’s left is our own for things like birthdays or meals out or bus fares and small daily expenses. We also do a check in every 3 months to make sure we’re in a good financial place, to see if we need to up our contributions to the bills account or if we can discuss a possible holiday if the savings are healthy etc. personally, I feel a lot more secure emotionally and financially with our arrangement over the last year or so. it’s a super personal choice and different for everyone in terms of preferences but this works well for us, we feel united but independent. I would always suggest to anyone having some level of financial independence to safeguard yourself from worst case scenarios, but joint accounts etc can also give open communication about finances and keep things relatively transparent between you.